Normal commercial bank loans generally require the lender to sign and confirm on the spot, and it is impossible to obtain loans only by identity information. According to the information you provided, your husband used your identity information to borrow money online, which should belong to an online microfinance company. Although your husband borrows money in your name, under normal circumstances, you may still have to bear the repayment obligation. First, because it is an online loan, although you advocate that your husband borrow money with your information, you can sue the court to claim that the loan contract is invalid, but because the online loan submitted your identity information, even personal information such as mobile phone number and property status, it is actually difficult to prove that the actual lender is not you. Two, even if the actual lender is your husband, according to the Supreme People's Court "on the application of.

Of course, if you have evidence that your husband did use your identity information to make a loan, the creditor did not fulfill the obligation of careful review, and the loan was not used for the husband and wife to live together, you don't have to bear the repayment obligation. In addition, if the creditor and your husband agree, you can also change the lender to your husband, making it clear that you are not obligated to repay.