At that time, the system will naturally review the information provided, and the loan will naturally be issued to the provided bank card after the review is passed.
For example, some loan platforms have strict application conditions. In addition to submitting ID numbers, they also need to submit mobile phone numbers, work units, residential addresses, monthly salaries and other related information. Only when the system confirms that the loan is operated by me, and the applicant has a good credit and the ability to repay the principal and interest of the loan on time can the loan be approved and successfully released.
However, the application threshold of some loan platforms is very low, and you only need to provide your ID number or mobile phone number to make a loan, even without review.
However, it should be noted that most of these platforms are not very formal and are likely to charge high interest or various fees. It is suggested that it is best to choose a loan platform approved by the CBRC and holding a financial license to borrow money.
Borrowers apply for loans too frequently or operate loans too frequently, which will increase personal credit risk. Just check the personal credit risk index in Puxin. The higher the risk score, the easier it is for the application to be rejected.
Extended data:
Can someone else get my ID card for online loan?
Other holders of user ID cards are generally unable to apply for loans online.
Applying for a loan online requires not only an ID card, but also a bank card and a mobile phone number reserved by the bank.
Even some loans require face recognition. When the applicant's head photo is inconsistent with the ID card photo, the user cannot pass the examination.
Therefore, the probability that a user's ID card is stolen to apply for online loans is relatively low.
Although the probability is low, low probability events may still occur. Please keep your ID card safe and don't give it to strangers.
In addition, once the user receives the loan short message, please take the initiative to inquire about personal credit information or contact the lending institution, so as to inquire whether his identity information has been stolen and apply for a loan.
In addition, if the stolen identity does occur when applying for online loans, please call the police first, and then get the alarm receipt, so that users can show that they have not applied for loans when communicating with lending institutions.