But then an 1 day offer from 4 hours ago would still not be possible to take, while one 2.5 hours ago works - even worse user experience imho.!

I'd rather either have a 24 hour buffer time added and on loan taker side having only the remaining days displayed (less than 24 hours = 0 days!) or something along these lines.

Edit:
I wanted to deposit a few coins:
"Bitcoin
Bitcoin watchonly daemon temporary down please come back later "

Also please graph + display the variable rate(s) again.