Legal analysis: you can't use a copy of your ID card for a loan. Customers need to provide specific proof of the use of funds. Generally, the loan handling bank will first review the customer's loan purpose (different loan products correspond to different purposes), and the loan purpose can meet the requirements before applying. At the same time, it will comprehensively evaluate factors such as collateral, personal credit and repayment. The loan interest rate, amount, term and other factors need to be priced in combination with the comprehensive factors such as the business type, credit status and guarantee method you apply for, and can only be determined after approval by the handling outlets.

Legal basis: the Supreme People's Court's opinions on people's courts' handling of loan cases.

Article 3 Where the loan-loan relationship is clear and the creditor applies for a payment order, the people's court shall examine and accept it in accordance with the relevant provisions of the Civil Procedure Law on supervision procedures.

Article 4 When examining the prosecution of a loan case, the people's court shall require the plaintiff to provide a written receipt in accordance with the provisions of Article 108 of the Civil Procedure Law. If there is no written receipt, the necessary factual basis shall be provided, and the prosecution that does not meet the above conditions shall be ruled inadmissible.