You can try to apply for a loan through China Merchants Bank. There is no prophase. If you are already a user of China Merchants Bank and downloaded the mobile banking app of China Merchants Bank, you can try to log in to mobile banking, and my-all-loan-I want to borrow money to try;

Or borrow money by credit card; Log in to Pocket Life and click "Card Finance"-"I want to borrow money" below, subject to the audit results.

Non-China Merchants Bank Card (without China Merchants Bank) can try to apply for "e-loan" and need to download China Merchants Bank Pocket Life APP to operate.

Can I get a loan for my ID card?

You can't get a loan with your ID card alone, and you need to provide other relevant information to prove that you meet the loan conditions.

According to Article 11 of the Interim Measures for the Administration of Personal Loans, applying for personal loans shall meet the following conditions:

(a) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

Article 12 A lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant materials that can prove that it meets the loan conditions.

Extended data:

Seventeenth lenders should establish and strictly implement the loan interview system. If low-risk loans are issued through electronic banking channels, the lender should at least take effective measures to determine the true identity of the borrower.

Article 24 A loan contract shall conform to the provisions of the Contract Law of People's Republic of China (PRC), and clearly stipulate the commitment of good faith, the purpose of loan funds, the object (scope) of payment, the amount of payment, the terms and methods of payment of all parties. The loan contract shall set up relevant clauses to clarify the liabilities of the borrower for breach of contract when he fails to perform the contract or slowly performs the contract.

Article 31 If the lender entrusts payment, the lender shall require the borrower to apply for payment when using the loan, and authorize the lender to pay the loan funds in the way agreed in this contract. The lender shall examine whether the relevant transaction materials and vouchers of the borrower meet the conditions agreed in the contract before the loan funds are issued, and record the relevant details after payment.