I can't. At present, online loans only have ID card photos and cannot be loaned. Now online lending, online lending needs your real name, authentication phone number, photo of your ID card and bank card information to make a loan.

In the loan application stage, we should not only consider the use and general process of funds, but also consider personal identity, income and other detailed information. Personal loans can only be credit loans, which need to pledge certain value of physical objects and securities. After approval, the lender needs to go to the bank to fill in the loan information, sign and take photos in the bank supervision area when handling the loan procedures.

First, personal loan application conditions:

1. Having reached the age of 25 and having full capacity for civil conduct; And have permanent residency or valid residence permit in China.

Second, having a fixed occupation or a stable income can guarantee the ability to repay the principal and interest on schedule.

Third, the credit record is good and there is no bad credit record.

Fourth, it can provide legal and effective guarantees recognized by banks.

Fifth, other conditions stipulated by the bank.

Second, the risk of online lending:

1. The virtual nature of online transactions makes it impossible to verify the credit status of both borrowers and borrowers, which easily leads to fraud and breach of contract.

2. A lot of lenders' information published on the network platform, many loans are issued in the name of "loan companies" and "financing companies". In fact, only financial institutions approved by the state can engage in financial services such as credit financing. Those who engage in financial activities without authorization will often be investigated for legal responsibilities such as "illegal fund-raising", "illegal absorption of public deposits" and disturbing the order of financial management.

3. If loans are issued on behalf of the network platform, when the network platform ignores self-discipline, the internal control procedures fail or are used, there may be cases of fabricating loan information and illegally raising funds.

Three, the general conditions required for online loans include:

1. The applicant is between 18 and 60 years old and has full capacity for civil conduct.

2. The applicant's personal credit is good and there is no bad overdue record.

3. Applicants need to have a stable job and their monthly income can be repaid on time.

4. Applicants need to have a real-name registration system mobile phone number that has been used for more than 6 months.

5. The applicant needs to use a savings card and provide the bank statement of the savings card.

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A loan that does not require an ID card

No ID card, no loan.

To apply for a personal loan, you need to meet the following conditions:

1. A citizen of China who has a fixed residence, a valid residence certificate, is under the age of 65 (inclusive) and has full capacity for civil conduct at the place where the loan bank is located;

2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;

3. Have a good credit record and willingness to repay, and no bad credit record;

4. Being able to provide legal, effective and reliable guarantee recognized by the bank;

5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations;

6. Other conditions stipulated by the bank.

Therefore, the valid identification refers to the ID card, so there is no loan without the ID card.

Extended data:

Matters needing attention in loan

1. The information provided to the bank shall be true, the address and contact information provided shall be accurate, and the bank shall be informed of any change in time;

2. The loan purpose should be legal and compliant, and the transaction background should be true;

3. According to your repayment ability and future income expectations, choose the repayment method that suits you;

4. Apply for a loan amount according to your own ability. Usually, the monthly repayment amount does not exceed 50% of the total family income;

5. Read the terms of the contract carefully and understand your rights and obligations;

6. Repay on time to avoid bad credit records;

7. Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan;

8. prepayment must be handled by communicating with the bank one month in advance.

9. When a foreigner applies for a commercial loan, the bank generally requires the borrower to have a stable income in the local area, and to open a household registration certificate at the place where the household registration is located (some banks also require a certificate of employment); Moreover, the housing guarantee company requires foreigners to apply for temporary residence permits in addition to local income.