yes, I do. Because this is to prove your identity, but also for approval, as well as the impact of your failure to repay on time. But holding a photo of your ID card is only part of the operation of applying for a loan. Any loan requires me to personally take my ID card to verify it and sign it personally. If it is online, it will be bound to your mobile phone and send a verification code. ID card photos can only be used for reference, not as verification materials. The photos are not clearly distinguished from the real ones, so the borrower will not be so stupid as to lend the money without even checking the documents. Therefore, it is useless to only have the information of your ID card. He can't inquire about your family information, work information and work information, which are all necessary things when you borrow money.

Conditions required for bank loans:

1. A permanent residence for urban residents with full capacity for civil conduct or a valid and valid identity certificate at least 18 years of age, and the lender is required to be between 18 and 6 years of age for bank loans;

2. Have stable legal income and the ability to repay interest;

3. Other conditions required by the lending bank.

The procedures for handling unsecured loans are generally divided into three steps:

1. The customer submits basic information, including the work unit and contact telephone number.

2. Lending banks or companies should check the credit information of customers, including whether the credit rating of customers has any illegal records. For self-employed individuals and small and medium-sized enterprises, it is also necessary to investigate their business operations.

3. The staff of the lending unit signed a contract with the customer and realized the loan in the shortest time.

when you apply for a loan on the P2P lending platform, there are two ways to apply for a loan if you have no job: one is to borrow in the name of your relatives and friends; Or use your property as a mortgage to get a loan; If you have a stable job and income, then you can apply for a personal credit loan (unsecured and unsecured). Generally, this kind of loan application requires that you have a stable job and income, a good credit status, a monthly salary punch (or a monthly deposit in your bank account), and you can borrow 5-1 times your monthly income. If you are a civil servant, you can borrow more.

To apply for a loan online, I suggest you pay attention to the terms and conditions. Now there are too many online loans, so it is best to take the loan help provided by Alipay and WeChat, two reliable tools.