At present, in formal financial institutions such as banks, the loan probability is zero only by a copy or photo of the ID card.

According to normal regulations, even if you get a copy or photo of someone else's ID card, you can't get a loan, and you need the authorization of the data owner.

The data preparation and operation process of loans are becoming more and more strict and complete; In the application stage, it is necessary to provide not only the purpose and general flow of funds, but also detailed information such as personal identity and income. Personal loans can only pledge loans and credit loans, and need to pledge certain value of physical objects and securities; After approval, when handling the loan formalities, the lender needs to go to the bank in person, fill in the loan information and sign it, and take photos in the bank monitoring area to leave a certificate.

Legal basis: Interim Measures for the Administration of Personal Loans.

Article 12 The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant materials that can prove that it meets the loan conditions.

Article 13 After accepting the borrower's loan application, the lender shall fulfill the obligation of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion.