diff --git a/app/api/schemas/select_offer.py b/app/api/schemas/select_offer.py
new file mode 100644
index 0000000..9a9cdf2
--- /dev/null
+++ b/app/api/schemas/select_offer.py
@@ -0,0 +1,42 @@
+from marshmallow import Schema, fields, validate
+
+# Schema for the loan item in the response
+class LoanItemSchema(Schema):
+    offerId = fields.Str(required=True, description="Unique identifier of the offer")
+    productId = fields.Str(required=True, description="Product identifier")
+    amount = fields.Float(required=True, description="Amount of loan customer is eligible for")
+    upfrontPayment = fields.Float(required=True, description="Amount to be deducted upfront")
+    interestRate = fields.Float(required=True, description="Percentage (%) of interest rate")
+    Interest = fields.Float(required=True, description="Amount of interest")
+    ManagementRate = fields.Float(required=True, description="Percentage (%) of management fee")
+    ManagementFee = fields.Float(required=True, description="Amount of management fee")
+    InsuranceRate = fields.Float(required=True, description="Percentage (%) of insurance")
+    InsuranceFee = fields.Float(required=True, description="Amount of insurance")
+    VATRate = fields.Float(required=True, description="Percentage (%) of VAT")
+    VATamount = fields.Float(required=True, description="Amount of VAT")
+    recommendedRepaymentDates = fields.List(fields.Str(), required=True, description="Array of recommended payment dates for all installments in yyyy-mm-dd format")
+    installmentAmount = fields.Float(required=True, description="Amount to be paid each month (upfrontPayment not included)")
+    totalRepaymentAmount = fields.Float(required=True, description="Total amount to be paid by customer. All installment amounts + upfront payment")
+
+# SelectOffer Request Schema
+class SelectOfferSchema(Schema):
+    requestId = fields.Str(required=True, description="Unique identifier of request")
+    transactionId = fields.Str(required=True, description="Unique identifier of transaction. This transaction Id must be consistent across all platforms")
+    customerId = fields.Str(required=True, description="Unique identifier of a customer")
+    accountId = fields.Str(required=True, description="Specific identifier of a user's account")
+    msisdn = fields.Str(required=True, description="User's mobile number in an international format")
+    requestedAmount = fields.Float(required=True, description="Amount of loan requested by user")
+    productId = fields.Str(required=True, description="Product ID")
+    channel = fields.Str(required=True, description="Channel of incoming request", 
+                         validate=validate.OneOf(["USSD", "FistMobile LitApp", "Web"]))
+
+# SelectOffer Response Schema
+class SelectOfferResponseSchema(Schema):
+    requestId = fields.Str(required=True, description="Unique identifier of request")
+    transactionId = fields.Str(required=True, description="Unique identifier of transaction. This transaction Id must be consistent across all platform")
+    customerId = fields.Str(required=True, description="Unique identifier of a customer")
+    accountId = fields.Str(required=True, description="Specific identifier of a user's account")
+    outstandingDebtAmount = fields.Float(required=False, description="Outstanding debt amount if any")
+    loan = fields.List(fields.Nested(LoanItemSchema), required=True, description="Array of loan offers")
+    resultCode = fields.Str(required=True, description="Result code of executed transaction, e.g. (00 – Success etc.) see result codes table")
+    resultDescription = fields.Str(required=True, description="Description of provided result code")
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diff --git a/app/api/services/__init__.py b/app/api/services/__init__.py
index c58bbf7..e58aec6 100644
--- a/app/api/services/__init__.py
+++ b/app/api/services/__init__.py
@@ -1,5 +1,6 @@
 from app.api.services.rac_check import RACCheckService
 from app.api.services.disbursement import DisbursementService
+from app.api.services.select_offer import SelectOfferService
 from app.api.services.collect_loan import CollectLoanService
 from app.api.services.transaction_verify import TransactionVerifyService
 from app.api.services.penal_charge import PenalChargeService
diff --git a/app/api/services/select_offer.py b/app/api/services/select_offer.py
new file mode 100644
index 0000000..f2544f9
--- /dev/null
+++ b/app/api/services/select_offer.py
@@ -0,0 +1,75 @@
+from flask import request, jsonify
+from marshmallow import ValidationError
+from app.utils.logger import logger
+from app.api.schemas.select_offer import SelectOfferSchema, SelectOfferResponseSchema
+
+class SelectOfferService:
+    @staticmethod
+    def process_request(data):
+        """
+        Process the SelectOffer request.
+
+        Args:
+            data (dict): The request data.
+
+        Returns:
+            dict: A standardized response.
+        """
+        try:
+            logger.info("Processing SelectOffer request")
+
+            # Validate input data using SelectOfferSchema
+            schema = SelectOfferSchema()
+            validated_data = schema.load(data)  # Raises ValidationError if invalid
+
+            # Simulated processing logic
+            # In a real implementation, this would interact with your business logic
+            # to determine eligible loan offers based on the requested amount and product
+            response_data = {
+                "requestId": validated_data.get('requestId'),
+                "transactionId": validated_data.get('transactionId'),
+                "customerId": validated_data.get('customerId'),
+                "accountId": validated_data.get('accountId'),
+                "outstandingDebtAmount": 0,
+                "loan": [
+                    {
+                        "offerId": "14451",
+                        "productId": "2030",
+                        "amount": validated_data.get('requestedAmount'),
+                        "upfrontPayment": validated_data.get('requestedAmount') * 0.1,  # 10% upfront
+                        "interestRate": 3.0,
+                        "Interest": validated_data.get('requestedAmount') * 0.03,  # 3% interest
+                        "ManagementRate": 1.0,
+                        "ManagementFee": validated_data.get('requestedAmount') * 0.01,  # 1% management fee
+                        "InsuranceRate": 1.0,
+                        "InsuranceFee": validated_data.get('requestedAmount') * 0.01,  # 1% insurance
+                        "VATRate": 7.5,
+                        "VATamount": (validated_data.get('requestedAmount') * 0.01) * 0.075,  # 7.5% VAT on management fee
+                        "recommendedRepaymentDates": ["2023-12-30"],  # Example date
+                        "installmentAmount": validated_data.get('requestedAmount') * 1.1,  # Principal + 10% fees
+                        "totalRepaymentAmount": validated_data.get('requestedAmount') * 1.1  # Principal + 10% fees
+                    }
+                ],
+                "resultCode": "00",
+                "resultDescription": "Successful"
+            }
+
+            # Validate the response using the response schema
+            response_schema = SelectOfferResponseSchema()
+            validated_response = response_schema.dump(response_data)
+
+            return jsonify(validated_response)
+
+        except ValidationError as err:
+            logger.error(f"Validation Error: {err.messages}")
+            return jsonify({
+                "resultCode": "01",
+                "resultDescription": f"Validation error: {err.messages}"
+            }), 422
+
+        except Exception as e:
+            logger.error(f"An error occurred: {str(e)}", exc_info=True)
+            return jsonify({
+                "resultCode": "08",
+                "resultDescription": f"Error occurred: {str(e)}"
+            }), 500
\ No newline at end of file