I can't.

You can't get a loan if you give your mobile phone number to others, because no platform can get a loan just by your mobile phone number. The mobile phone number is only used to register an account, and the loan also needs to provide valid identification of the owner of the mobile phone number. Moreover, many platforms have to brush their faces for real-name authentication, and applicants have to complete a series of actions such as opening their mouths and blinking according to the prompts. Although you can't borrow money just by your mobile phone number, if someone else uses it to do something illegal, the owner himself will be implicated, so you'd better get your mobile phone number back, or you can cancel it and apply for a new card. You can't borrow money by giving your mobile phone number to others, because no service platform can borrow money only by using your mobile phone number. The function of the mobile phone number is only used to register an account, and the loan must also show the reasonable identification of the mobile phone number equipment. Moreover, many service platforms require face recognition in real-name verification, and applicants should open their mouths and blink according to the reminder. Although you can't get a loan just by your mobile phone number, if someone else uses it to do something against the rules, the equipment itself will be dragged down. So you'd better take your mobile phone number home, or you'll have to cancel the account and re-open the card.

Can someone else use your mobile phone number for a loan?

Ordinary people can't use your mobile phone number to apply for online loans, because the current mobile phone numbers are all registered in real names, and you need the identity card of the same person to apply for online loans, and the application requires face recognition, because you only have one mobile phone number, so you can't apply for loans.

However, if the ID card and mobile phone number are lost, it is not excluded that others use their identities to apply for online loans. If the loan involving identity theft is true, it is suspected of loan fraud. It is suggested to give feedback to the lending institution in time and report it to the public security organ for handling.

When I apply for a loan, the lending institution will check my identity information. Once the identity information is provided to others, others can borrow money in my name. If the loan is not repaid on time or even in arrears, the lending institution will eventually ask me to repay it.

I. Bank loan approval process

Loan procedure

1, loan application. Borrowers apply for loans from local credit cooperatives. In addition to applying for small loans in rural areas, relevant information is required when applying for other types of loans.

(1) Basic information of the borrower and guarantor;

The financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period of applying for a loan;

(3) Rectification of original unreasonable loans;

(4) List of mortgaged property and pledged property, proof that the person who has the right to dispose of it agrees to mortgage and pledge, and relevant proof that the guarantor agrees to guarantee intention;

5] Project proposal and feasibility report;

(6) Other relevant information deemed necessary by the credit cooperatives.

2. Credit rating evaluation. Credit cooperatives evaluate the credit rating of borrowers.

3. Loan survey. Credit cooperatives investigate the legitimacy, safety and profitability of borrowers.

4. Loan approval. Credit cooperatives carry out loan approval in accordance with the loan management system of loan separation and grading approval.

5. sign a contract. Credit cooperatives sign loan contracts with borrowers.

6. Loan issuance. Credit cooperatives issue loans on schedule according to the loan contract.

7. Post-loan inspection. The credit cooperatives shall conduct follow-up investigation and inspection on the borrower's performance of the loan contract and operation.

8. Loan repayment. When the loan expires, the borrower shall repay the loan principal and interest in full and on time. If it is necessary to extend the loan, an application for loan extension shall be submitted to the agency before the loan expires, and the extension matters shall be decided by the agency.

Third, the bank loan process.

1. The borrower submits the loan application and related materials to the bank, such as ID card, household registration book, income certificate, marriage certificate, etc.

2. The bank will conduct a pre-loan investigation on the relevant information of the customer to determine the credit line, term, interest and guarantee method of the bank. , and then the account manager can write the investigation report;

3. After the account manager writes the investigation report, he submits all the customer loan information to the risk control department for review, and the risk control department conducts risk assessment and final review of the loan, or proposes amendments to inappropriate places;

4. After approval, the loan needs to be submitted to the bank president for approval, and the loan contract can only be signed after approval;

5. Finally, the loan review. The loan audit mainly depends on whether there are irregularities in the previous audit process. If not, the loan can be issued smoothly.

Can someone use my mobile phone number for a loan?

Others can't use your mobile phone number to borrow money, because now the loan can only be handled if you have an ID card and work certificate, or the running water of the bank or real estate.

The secondary mobile phone card has been used by friends. Can he use it for online loans?

You can't get a loan.

① The mobile phone card with someone else's ID card is in his own hands, not in the hands of the person with this ID card, so he can't operate with this mobile phone card.

(2) ID card If this person wants to use this mobile phone card to register a loan, he needs to use this mobile phone card, that is, use this mobile phone card to register a loan, which is only related to this person and has nothing to do with others.

(3) The loan is a complicated matter, and the mobile phone card is just a convenient contact tool. The loan mainly depends on the lender's repayment ability and personal credit information, and the mobile phone card can't help much in the loan.

For example, if you want an unsecured credit loan, you need to meet the following conditions: the age is between 22 and 60; Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule; The actual age of the borrower and the loan application period should not exceed 70 years old; See if the credit information meets the loan requirements.

The basic process of unsecured loan is as follows: first, submit a loan application; Submit the relevant materials of the loan application again; Submit the loan qualification to the lending institution for approval (including telephone interviews with relevant relatives and friends); The qualification examination has passed the lender's risk assessment and quota accounting; If the risk assessment passes, the loan will be issued.

Each of the above items is highly valued by lending institutions, and the whole process above can not be completed only by a mobile phone card.