You can't apply for a loan if your ID card expires, because you need to provide a valid ID card for a loan, and an expired ID card has no legal effect and is invalid, so you can't apply for a loan after your ID card expires.
Therefore, it is recommended that you go to the local police station to re-apply before the ID card expires.
At present, it usually takes about half a month to complete the business card printing of ID cards, so it is best to go to the local police station one month in advance to re-apply.
In the meantime, if there is a loan demand, you can also ask the police station to issue a temporary id card, and then use temporary id card to handle the loan.
How can I get a loan if my ID card expires?
Although in some cases, because the built-in chip is not degaussed, the expired ID card can still be used. For example, an identity document that has expired for 6 months can also be used to fly; The first-generation ID cards that have stopped being used on the eve of the Spring Festival can still be used as valid identification documents for ticket purchase and riding. But you can't get a loan if your ID card expires.
Why can't I repay the loan when my ID card has expired?
Loan requirements, which stipulate that loans need to carry valid identity documents. In other words, after the ID card expires, it is invalid, not a valid ID card, and the loan cannot be made.
My ID card has expired, but I still want to get a loan.
Method 1: Re-apply for ID card or temporary id card.
After the ID card expires, apply for a new ID card or temporary id card at the Public Security Bureau. Go to the loan after you get your ID card.
Method 2: borrow money with someone else's ID card.
With the consent of parents, children and spouses, loans can be made with ID cards, but the debtors are them.
Method 3: Some banks can apply for loans with valid identity documents.
For example, Agricultural Bank of China can apply for a loan with legal and valid identity documents and household registration certificate of the place where the loan bank is located. In other words, you don't have to have an ID card, but you can apply for a loan with a valid ID card.
Valid identity documents include: resident ID card, temporary id card, military officer's card, armed police officer's card, soldier's card, military cadet's card, military civilian cadre's card, retired military cadre's card and military work permit, passport, home visit permit for Hong Kong and Macao compatriots, travel permit for Hong Kong and Macao residents to and from the mainland, travel permit for China people to and from Taiwan, residence permit for foreigners, entry and exit permit for foreigners and diplomats.
Legal basis:
People's Republic of China (PRC) Identity Card Law
Article 3 The contents of the resident identity card registration include: name, gender, nationality, date of birth, permanent residence, citizenship number, personal photo, fingerprint information, validity period of the certificate and issuing authority.
Citizenship number is a unique and life-long identity code for every citizen, which is compiled by public security organs according to the national standard of citizenship number.
Citizens applying for obtaining, renewing or replacing resident identity cards shall register their fingerprint information.
Intelligent detection of this change
Article 4 Resident identity cards shall use standardized Chinese characters and digital symbols that meet national standards.
The organs of self-government of ethnic autonomous areas may, according to the local actual situation, decide to use the written language of the ethnic group exercising regional autonomy or choose the written language commonly used in the local area as the content registered in Chinese on the resident identity card.