You can apply for a loan with social security, but not all users who pay social security can apply for a loan smoothly. The loan platform needs to review the loan according to the actual situation of the user, and issue the loan to the applicant after the approval. Social security loans are similar to provident fund loans. Users pay social security and continue to pay social security when handling loans, indicating that users have stable income. Borrowers who meet the requirements for social security loans can prepare relevant materials and apply for loans from lending institutions. The specific loan steps are as follows: 1. Go to the lending institution to consult about social security loans; 2. According to the requirements of lending institutions, prepare social security loan application materials, usually identity certificates, residence certificates, work certificates, income certificates and social security certificates; 3, fill in the loan application form, submit the application materials, put forward a written application for social security loans; 4 lending institutions in accordance with the relevant provisions of strict examination and approval; 5. The lending institution signs a loan contract with the borrower; 6. Lending institutions issue loans; 7. The borrower repays the loan according to the contract. Social security loans not only require users to pay social security, but also require users to have good credit status. If the user's personal credit status is poor, even if the social security payment amount is high, he can't apply for a loan, so users should also know other loan conditions when applying for social security loans.