You can't apply for a loan just by using the front and back photos of your ID card.

According to Article 11 of the Interim Measures for the Administration of Personal Loans, applying for personal loans shall meet the following conditions:

(a) the borrower is a citizen of People's Republic of China (PRC) 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.

Article 12 The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant materials that can prove that it meets the loan conditions.

Extended data:

Article 35 When applying for a loan, a borrower shall provide one or more of the following materials:

(a) the basic information of the borrower (and guarantor);

(2) Natural persons shall provide valid identity certificates and relevant credit status certificates;

(3) Legal persons and other organizations must provide relevant financial reports, of which the annual report must be audited by relevant departments or legally effective accounting (auditing) firms, and enterprises (institutions) as legal persons should also provide loan certificates (No.);

(4) List of collateral (pledge), the certificate that the person who has the right to dispose of it agrees to mortgage (pledge), or the relevant documents that the guarantor agrees to guarantee;

(5) Other relevant information deemed necessary by the lender.

Can I get a loan on the front of my ID card?

When applying for a loan, the lending institution will not only ask the lender to provide identity information, but also verify the lender's mobile phone number and bank card information, and also verify the lender's biometric information for face recognition.

When applying for loans offline, the review of lending institutions is equally strict. It is useless to apply for a loan offline with an ID photo. Many times, the original ID card of the lender is needed. Therefore, it is impossible to apply for a loan only by photo of ID card.

If some people or institutions claim that they can borrow money only by using ID card photos, either these lending institutions are informal and routine loans, or criminals take advantage of the lender's psychology and prepare to commit fraud. In either case, you need to be careful.

In order to guard against these risks, you should always keep your personal identity information well, and don't disclose your ID card, bank card and mobile phone verification code casually to avoid being cheated and suffering property losses. If your ID card or bank card is lost, you must report it to the police in time to reissue it.

Can I get a loan without the reverse of the installment ID card?

You can't get a loan without an installment ID card.

Loans require users to upload photos of the front and back of their ID cards, so that users can be authenticated by their real names. Of course, real-name authentication is not only a link to upload ID photos, but also a real-name authentication to complete bank card authentication by binding bank cards. Therefore, just uploading the front and back of the ID card is not enough to help users complete real-name authentication. In addition, the bound bank card must be the bank card in my name, not the card in my name or the bank card number is wrong, and the real-name authentication will not be completed.

Supplementary content:

What are the terms of the bank loan?

If you want to borrow money from a bank, you need to meet four hard conditions:

The first condition is that you must meet the loan age and have a legal identity card, which is the first thing to review when borrowing money.

Second, the lender must have full capacity for civil conduct, clear thinking and action ability, and not be interfered by others.