You can't apply for a loan in a bank without a bank card, because even if the loan is passed, there is no way to transfer the money into a bank card account, so it is not possible. No matter what kind of loan you apply for, in addition to meeting the basic conditions, the applicant must provide valid identity documents and a bank card in his name to complete the real-name authentication, so there is no loan platform without a bank card. In addition, the provided bank card has another function, that is, receiving loans and making repayment, so please ensure that the bank card is in normal condition.

First of all, under normal circumstances, bank loans need the following information:

1, borrower's ID card and bank card; The borrower's account book; Marriage certificate or unmarried certificate of the borrower; Proof of the borrower's repayment ability, bank flow, social security account flow or tax bill, etc.

2. The borrower's work certificate;

3 Guarantee certification materials

4. Proof of use: For example, a car loan refers to providing a full car purchase invoice before the loan is issued, or providing a car purchase agreement (contract) plus a down payment invoice (or a receipt stamped with the dealer's official seal). After the loan is issued, you must provide the full car purchase invoice (if not provided before the loan is issued) and the vehicle purchase tax payment certificate.

5. Other materials specified by the bank.

Second, the loan processing flow:

1, apply. After preparing the loan information required by the bank, the borrower applies to the bank. After receiving the information submitted by the borrower, the bank conducts a preliminary review of the borrower's information.

2. investigation. This is mainly to verify the borrower's information and see if the information is true. At the same time, it will also check the borrower's personal credit record to see if it meets the bank's loan requirements. After evaluating all aspects of the borrower, the bank will enter the approval stage, which is mainly to decide whether to issue loans to the borrower.

3. Loan issuance. After the bank determines that the borrower meets the bank's loan requirements, it will issue the loan, and finally the borrower can repay the loan according to the loan contract.