No, in addition to providing ID cards, users also need real-name verification, such as bank card verification and face recognition, so ID cards are only one of the loan materials.

Legal basis:

Article 16 of the National Identity Card Law of People's Republic of China (PRC) shall be given a warning by the public security organ and imposed a fine of not more than 200 yuan. If there are illegal gains, the illegal gains shall be confiscated.