Legal analysis: it is impossible to get a loan successfully with only one ID card. The basic loan materials include the borrower's ID card, household registration book, spouse's ID card, marriage certificate, income certificate and good credit record. Only with the above materials can you apply for a loan in the bank. It is impossible to get a loan with your ID card, and it is impossible for a bank to judge your repayment ability with your ID card.

Legal basis: the Supreme People's Court's opinions on people's courts' handling of loan cases.

Article 10 A loan relationship formed by one party against its true meaning by means of fraud, coercion or taking advantage of others' danger shall be deemed invalid.

Article 11 The lender knows that the borrower borrows money to engage in illegal activities, and its lending relationship is not protected.