Online loans can't use other people's ID cards. Online loans must be verified by mobile phone number, bank card and ID card. Even if users have someone else's ID card, they can only complete identity verification. In the process of verifying the bank card and mobile phone number, because there are no other banks and verification codes, if you can't pass the identity authentication directly, you can't apply for online loans. Unless the user obtains the mobile phone verification code, ID card and bank card, he can apply without face recognition.

Other holders of user ID cards are generally unable to apply for loans online. Applying for a loan online requires not only an ID card, but also a bank card and a mobile phone number reserved by the bank. Even some loans require face recognition. When the applicant's head photo is inconsistent with the ID card photo, the user cannot pass the examination. Therefore, the probability that a user's ID card is stolen to apply for online loans is relatively low.

Although the probability is low, low probability events may still occur. Please keep your ID card safe and don't give it to strangers. In addition, once the user receives the loan short message, please take the initiative to inquire about personal credit information or contact the lending institution, so as to inquire whether his identity information has been stolen and apply for a loan.

Borrow money with someone else's ID card.

There is no way to borrow money with other people's ID cards, and there is no way to borrow money only with ID cards. Even online, there is no way to borrow money. Borrowing platforms generally require real-name authentication of borrowers' bank cards and mobile phone numbers. These must be the same person, and some platforms can recognize faces. So in real life, you can't borrow money through someone else's ID card.

When applying for a loan, users need to submit other information besides their ID cards, such as bank accounts, which are not available. Moreover, the offline loan requires the borrower's signature, and there is no alternative. Therefore, in real life, don't think about using other people's ID cards to handle loans.

Users should consult the bank in advance when handling loans. At this time, they can know the loan requirements and loan interest rates, and then choose the most suitable bank for their loans. Generally, it takes a long time for banks to handle loans, and it takes about 1 month for most loans to be approved, but it only takes a short time to apply for loans online.

Before handling the loan, the borrower had better think about the repayment plan to prevent the later repayment from being delayed; If the loan cannot be repaid on time in the later period, the user can give up the loan or reduce the loan amount. After all, regular loans will affect users' credit information, and it will be more troublesome to go to the loan after the credit information becomes worse.

Can I get a loan with someone else's ID card?

Know that you can get a loan.

You can get a loan by taking someone else's ID card, but the owner of the ID card needs to know and be present to confirm. Id card is very important. Don't lend money to others easily. On the one hand, you will become the debtor of the loan. On the other hand, if the loan is not repaid, your personal credit may be affected.

Fraudulent use of other people's ID cards requires legal channels.

Use someone else's ID card to get a loan, unless you get the other party's consent, and use your ID card to sign or press your fingerprint when applying for a loan. In fact, this can also be said to be asking others to help solve your own financial problems. Only in this way can it be legal. If someone else's ID card is used to make a loan through some illegal means, the ID card itself can bring a lawsuit against the lender, which is not good for the lender and the ID card itself. Please don't try!

Regular online loans, other people's ID cards can't be loaned.

Although online lending is not like offline verification of traditional banks, it is also online verification. I need my ID card to match the photo on it. If it doesn't match, I won't get the loan. Such as flash loans. It requires the loan applicant to take a photo with the ID card, and requires that the ID card number be unique and valid. If these cannot be met, it is impossible to complete the verification and obtain the loan amount. Therefore, it is not feasible to apply for online loans with someone else's ID card.

Non-standard online loans, other people's ID cards can be paid.

There are also some non-standard online loans, and the pre-lending procedures may be very simple, just requiring the lender to transmit identity information through the network. At this time, many people take the opportunity to borrow money with other people's ID cards when applying for online loans. In this case, the lending institution passed without strict application.

Can I borrow money with someone else's ID card?

You can't borrow money with someone else's ID card, you can only borrow money with your own ID card. According to the Identity Card Law of People's Republic of China (PRC), anyone who fraudulently uses another person's identity card shall be fined between 200 yuan and 1,000 yuan by the public security organ, or detained for less than 10 days. If there are illegal gains, the illegal gains shall be confiscated.

legal ground

Article 16 of the People's Republic of China (PRC) Identity Card Law

One of the following acts, given a warning by the public security organs, and impose a fine of 200 yuan. Illegal income, confiscate the illegal income:

(a) using false certification materials to defraud the resident identity card;

(2) Renting, lending or transferring a resident identity card;

(3) illegally detaining another person's identity card.

Article 17

Anyone who commits one of the following acts shall be fined by the public security organ from 200 yuan to 1000 yuan, or detained for 10 days. Illegal income, confiscate the illegal income:

(a) using another person's identity card or using a forged identity card;

(2) buying, selling or using forged or altered identity cards.

Forged or altered identity cards and fraudulent identity cards shall be confiscated by public security organs.

Here's how to get someone else's ID card loan.