If the lending institution requires the user to provide a social security certificate, the user must submit the social security certificate to the lending institution during the loan application. Lending institutions do not require users to provide proof of social security, so users who have not paid social security can still apply for loans normally. Only a few loans require users to submit social security certificates, and most loans do not require social security certificates. Users have social security certificates, indicating that they have a stable job or stable income, so that lending institutions can lend money to users with confidence. Without social security certificate, users can submit other financial proof. As long as they can prove that they have strong repayment ability and have good long-term economic status, they can also obtain loan funds through loan review. Different loans have different application conditions and required materials. Whether a loan requires a social security certificate, please refer to the requirements of the loan product and the regulations of the lending institution.