All loans need to verify the true identity of the borrower and fill in some other relevant information for review. Taking someone else's ID card to get a loan will generally fail.

And some loans need to be confirmed by the borrower himself. Only by fully informing the parties can the loan pass the examination, otherwise it is illegal.

According to the Contract Law and other relevant laws and regulations, a contract under any of the following circumstances is invalid:

(1) A contract concluded by one party by means of fraud or coercion harms the interests of the state;

(2) Malicious collusion that harms the interests of the state, the collective or a third party;

(3) Covering up illegal purposes in a legal form;

(4) damaging the public interest;

(5) Violating the mandatory provisions of laws and administrative regulations. In other words, the loan contract of another person fraudulently using an ID card is invalid. The materials to be submitted for the loan are as follows: (The materials are incomplete, so it is impossible to apply for a loan) The list of materials to be provided for personal loan application is roughly divided into three categories: the following materials need to be prepared for personal consumption loan application:

1. Copy of the borrower's ID card and household registration book (identity certificate verification and filing);

2. A copy of the borrower's marriage certificate (family background investigation);

3. The borrower's income certificate (the bank's reference to the lender's repayment ability);

4. Proof of the borrower's work, education and professional title (the bank's reference to the lender's repayment ability);

5. Proof that the borrower has opened a personal settlement account in the credit union (establishing convenient withdrawal and repayment channels);

6. The borrower's personal credit report (review of the applicant's historical credit record).