Phone card loans need an ID card, because the lender must confirm that the identity information of the lender is consistent with the ID card, otherwise there will be cases where identity information is stolen to apply for a loan. You don't need an ID card to apply for a loan. If the victim applies for a loan without himself and can submit sufficient evidence, the loss of the loan shall be borne by the lending institution.
In order to avoid risks, lending institutions should not only review the identity information of lenders, but also comprehensively review the credit qualifications of lenders.
ID number and mobile phone number can be used for online loans.
The user's mobile phone number and mobile phone card number cannot apply for a loan. On the one hand, the loan application will require binding the bank card and completing the bank card authentication. On the other hand, you can't get the mobile phone verification code only by knowing the mobile phone number. Whether applying for online loans or offline loans, you need the verification code of mobile phone number to complete the verification, because the possibility of users applying for loans with their identities is relatively low.
The loan platform provides an ID card and a phone number, but it is unacceptable to rely solely on the ID number. The original ID card must be uploaded. If the number is real, you must attach the mobile phone number, and the number must be bound with a bank card with normal account status.
In order to ensure that you can borrow money, you also need facial recognition to complete actions such as opening your mouth and closing your eyes according to the prompts. If you want the loan to succeed, you must pass a systematic and comprehensive evaluation. The key is to meet the borrower's credit conditions.
In fact, although many online loans need ID cards and mobile phone numbers, they need more than just numbers. For example, the original ID card must be provided, and others have strict risk control, such as uploading photos of hand-held ID cards and face authentication. The mobile phone number needs to authenticate the identity of the mobile phone operator and receive the identity verification code. You can't just know the numbers.
In addition, the online lending platform has risk control and risk control functions. In order to recover the loan smoothly, they will strictly examine the borrower's information and will not lend as long as they cannot provide the same information. Imagine that if it were everyone, you wouldn't trust to lend money to someone who can only provide ID number and mobile phone number.
However, if the ID card is lost or picked up by others, it is possible to borrow money on some online lending platforms with loose risk control. In this case, this is a fake loan. If others don't repay the money, the online lending platform will ask the ID card to withdraw money, but the money is not borrowed by us, and we can't suffer.
Can I get a loan just by my mobile phone number?
You can't apply for a loan just by your mobile phone number. To apply for a loan through the online lending platform, at least you need to provide personal basic information such as ID card, contact information and bank card. Some online lending platforms with strict audit conditions also need to inquire about the borrower's credit report, provident fund payment and other information.
To apply for a loan in a bank, you need to provide more detailed information, including ID card, household registration book, work certificate, salary income certificate, marital status certificate, assets certificate, etc. In addition, the bank will strictly examine the borrower's credit status. If the borrower has a bad record in the credit report, the loan application in the bank is more likely to be rejected.
What do you need for a mobile phone loan?
1. Mobile phone number and address book
No matter which loan software you apply for, your mobile phone number is the first one. Telephone audit also needs this. In addition, it should be noted that the mobile phone number must be real-name authentication, and the longer it is used, the more favorable it is to apply for a loan. When you are authorized to read the address book information, you should handle the contacts with keywords such as "loan" and whether there are other small loan short messages or repayment reminders in the short message.
2. ID card and video authentication
The photo of the ID card should be taken clearly, and the key information should not be blurred and invisible, so the audit will not pass. Take off your glasses and choose the light and angle when shooting video certification.
3. Credit card and bill mailbox
Some platforms need to verify credit cards. At this time, we should try our best to keep the integrity of the credit card bill and ensure that there is at least a complete bill of a card in the mailbox for the past six months. If there are multiple credit cards, you can import the credit card with the most bill data and no overdue first. It's best to deal with all kinds of emails from other online loans and emails from gambling sites.
4. Sesame credit score
Select multiple loan platforms and directly evaluate the loan amount through sesame credit score. Even if there are some overdue records on the credit report, you can get a loan if your sesame credit score is better. Therefore, usually pay more attention to sesame seeds and cherish credit records.