1. Most of the current ID card loans are credit loans, that is, loans can be made without mortgage, but it does not mean that loans can be made only with ID cards. You need to have a certain income certificate and a stable job, which is more suitable for civil servants, teachers, employees of state-owned enterprises, stable entrepreneurs, white-collar workers and managers. ID card is only the necessary material for loan, and the most important thing is to provide proof of income and prove that you are suitable for credit loan.
At present, there is no loan product that can be obtained only by ID card. No matter what kind of loan, in addition to the ID card, at least another proof should be provided. In the process of loan, ID card is only an essential thing. In addition, don't pay any fees before the loan arrives to prevent being cheated.
Legal basis: Article 668 of the Civil Law stipulates that a loan contract shall be in written form unless otherwise agreed between natural persons.
The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.