Legal analysis: no, just knowing the ID number is not enough for the loan. When handling a loan, the lending institution will generally check my identity information. If there is a problem with my personal identity, the lending institution will generally not handle it.

Legal basis: Article 667 of the Civil Law of People's Republic of China (PRC) is a loan contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.