1. Copy of ID card cannot be checked out online. Online lending requires the original ID card to be photographed and uploaded, as well as the binding of bank cards, face recognition, mobile phone verification codes, etc. Individuals in urgent need of capital turnover can apply for loans from banks or through online lending platforms. Either way, you need to provide relevant materials, including the original ID card, income certificate and loan plan statement. Compared with bank loans, the threshold of online loans is lower and the time limit for obtaining loans is stronger.

2. Legal basis: Article 680th of the Civil Code of People's Republic of China (PRC).

It is forbidden to lend at high interest rate, and the lending rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.

2. What are the repayment methods of online loans?

Loan repayment method:

1, one-time repayment. According to the loan contract signed by both parties, the loan will be repaid in one lump sum after the agreed loan period expires, that is, the loan principal and interest will be repaid in one lump sum. One-time repayment is a repayment method agreed in many loan contracts, and it is also a relatively operational way;

2. Repayment by installment. If it is an online loan, you can also choose to repay it in installments. The main reason for choosing installment payment is to reduce the repayment pressure. The specific staging period can be agreed by both parties. Generally, if repayment is made in installments, you should choose to repay the principal and interest within the agreed time limit.

3. Average capital. The so-called average capital means to pay a certain amount of principal every month, and besides the principal, you also need to pay a certain amount of interest. The monthly repayment amount of the repayment person within the agreed repayment period is different, and the more the amount, the less. If the loan amount is not much, it is recommended to use this repayment method, so that you can give less interest.