Legal analysis: if both husband and wife only have marriage certificates, they cannot apply for loans. If you want to apply for a loan with a marriage certificate, the materials you need to apply for a loan include: marriage certificate, my ID card, my income certificate, bank running water, and credit report printed by the local people's bank. Loans with marriage certificates belong to the same debt of husband and wife, which need to be signed by both parties on the spot and repaid by both parties when divorced.

Legal basis: Article 6 of the Supreme People's Court's Opinions on People's Courts Handling Lending Cases states that the interest rate of private lending can be appropriately higher than that of banks, and local people's courts can specifically grasp it according to the actual situation in the region, but the maximum interest rate shall not exceed four times that of similar loans of banks. Beyond this limit, the excess interest will not be protected.