You only need an ID card to get a loan. There are many small loan platforms in the loan market and the application threshold is low. Even if you provide your ID number or mobile phone number, you can make a payment directly without review. Of course, many of these small loans have not been approved by the CBRC, do not hold financial licenses, and are not very authentic, so customers are not advised to apply.

However, customers should take good care of their identity information to prevent it from being leaked and stolen by others, and then use it to borrow money on the above-mentioned small loan platform, which will bring adverse effects to themselves.

At the same time, customers are also advised to choose genuine lending institutions/platforms with financial licenses approved by CBRC. Although the ID card alone may not be able to borrow money, many of them do not need to provide a lot of information, and some can borrow money by providing ID cards and bank cards. However, there is generally an audit link. Only when the customer's credit status is evaluated will the next payment be made. Therefore, customers must pay attention to maintaining good personal credit.

Can I get a loan only with my ID card?

There are two conditions for borrowing money with an ID card: (1) proving identity with an ID card; Others guarantee themselves. After meeting the above two conditions, you can apply for a loan directly with your ID card. The steps of applying for a loan with an ID card are as follows: (1) Fill in the personal information and family contact information of the applicant and guarantor; Submit a copy of my ID card and work certificate, as well as the guarantor's work certificate; , bank audit; Sign a loan agreement after approval; After completing the above steps, the loan can be released. Finally, the borrower should not forget to repay. Because personal ID card loans are much easier than other loans, many friends want to get funds in this way.

Can I get a loan only with my ID card?

An ID card is a necessary condition for a loan.

First of all, it is wrong to understand ID card loans as only ID cards can be used for loans, and ID cards are only necessary materials for loans. Most of the current ID card loans are credit loans, that is, loans can be made without mortgage, but it does not mean that you only need ID card loans. You need to have a certain income certificate and a stable job, which is more suitable for civil servants, teachers, employees of state-owned enterprises, stable entrepreneurs, white-collar workers and managers. The most important thing is to provide proof of income and prove that you are suitable for credit loans.

You can't borrow money just by your ID card.

At present, there is no loan product obtained only through ID card loan. No matter what kind of loan product it is, besides the ID card, at least another supporting document is needed.

For example, we know pro-small loans, magic cash loans and so on. This kind of ID card loan products not only provide ID cards, but also need to provide materials such as bank cards or work information. In the process of loan, ID card is only an essential thing.

In other words, if you can only provide your ID card, but can't provide other relevant supporting information, then you can't get a loan.

Can I only borrow money from the bank with my personal ID card?

If you have a card of China Merchants Bank, China Merchants Bank has a lightning loan business. You can log in to the mobile banking APP of China Merchants Bank and click "My → All → Loan" to try to apply or inquire whether you meet the application conditions (whether you can get the quota or not depends on the system evaluation results).

Basic conditions for lightning loan application:

1, with China Merchants Bank card;

2. The age of the lender is generally between 23 and 60 years old, and the age plus the loan period is generally not more than 60 years old;

3, have the ability to repay the loan on time, no illegal behavior, good credit.

Tips:

1. After the lightning loan is released, the cash will be released to the designated account. Funds can only be used for normal bulk consumption and transfer, and may not be invested or flowed into the stock market or real estate.

2. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 200,000, which is subject to the loan page. The minimum amount of a single withdrawal is 1000, and the maximum amount does not exceed the limit, and it must be an integer multiple of 100.

3. There are two ways to apply for a loan within the lightning loan limit:

(1)15min lending: automatic lending within 5 5- 10/0min, and lending immediately after lending is approved, with SMS notification.

(2) Lending on t 1 day: verify by phone within t1day, and arrange lending after confirming the information. If you don't answer after three times of active contact, the application fails and you need to apply again.

4. When the lightning loan is built, there will be inquiry records on the credit information. If you only successfully established the amount and did not withdraw money: there will be no record of the amount in the credit report; Every subsequent withdrawal, there will be a new loan record in the credit information.