You can't apply for a loan if your ID card expires. Every loan product has a link to review credit information and qualification, the most important content of which is to show valid identity documents. Expired identity cards are not valid documents, so expired identity cards cannot be used for loans.

If your ID card has expired, but you want to get a loan, you can use the following methods:

1. Re-apply for ID card or temporary id card:

Re-apply for an ID card or temporary id card can be done at the same time, just go to the police station where the household registration is located. To re-apply for an ID card, you should prepare photos and press your fingerprints in person at the police station. Handling temporary id card is very fast. If the materials are complete, it can be handled in a few minutes;

2. Borrowing other people's ID cards for loans:

If you need money urgently and want to get a loan as soon as possible, you can borrow the ID cards of your parents, children and spouses, but you need to get their unification;

3. Some banks can also apply for loans with valid ID cards;

Valid documents include military officer's card, soldier's card, passport, Hong Kong and Macao residents' pass to and from the Mainland, diplomat's card, seaman's card, etc.