Legal analysis: you can't take someone else's ID card to get a loan. Generally speaking, it is not allowed to use someone else's ID card to get a loan. The loan applicant needs to use his/her ID card, meet the loan application conditions such as the borrower's willingness and ability to repay, and have no major bad credit record before he/she can obtain a loan according to law. Although there is no offline verification for the new ID card loan, there is also online authentication. Such as flash loans. The loan applicant is required to bring a photo of his ID card, and the ID number is the only valid proof. If these cannot be met, it is impossible to complete the verification and obtain the loan amount.

Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) 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.

Can someone else borrow money with my ID card?

You can get a loan by taking someone else's ID card, but the owner of the ID card needs to know and be present to confirm. Id card is very important. Don't lend money to others easily. On the one hand, you will become the debtor of the loan. On the other hand, if the loan is not repaid, your personal credit may be affected.

Identity card is very important, don't lend others a loan easily. In daily life, it should also be properly kept, once lost, it will cause great risks.

So, if you want to apply for a loan, but your ID card is lost, the borrower can consider applying for a loan in other ways, or you can apply for a loan in temporary id card. The details need to be consulted by the borrower in advance.

Needless to say, traditional bank loans need to be photographed and then compared with the photos on the ID card. If the photo of the ID card is not the same person, then the related business cannot be handled.

Although there is no offline verification for the new ID card loan, there is also online authentication. Such as flash loans. It requires the loan applicant to take a photo with the ID card, and requires that the ID card number be unique and valid. If these cannot be met, it is impossible to complete the verification and obtain the loan amount.

Although you can't use someone else's ID card for a loan, you can let someone else do the guarantee. For example, some banks accept teachers, civil servants and other professionals as guarantors, so they can also lend.

Extended data:

The simple and popular understanding of loan is to borrow money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.

Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

1, loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.