You can't use your ID photo to get a loan. At present, loans can't only rely on ID photos, while online loans and online loans can only rely on real-name authenticated phone numbers, ID photos and bank card information.

How many years will it take to borrow money with someone else's ID card?

Whoever commits the crime of borrowing money by using someone else's ID card can be sentenced to less than five years. The Legal Express reminds you that borrowing money by using someone else's ID card is a loan fraud. If the circumstances are serious, it may constitute the crime of financial fraud. If the amount is relatively large, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

Legal basis: Obtaining loans, bill acceptance, letters of credit, guarantees, etc. in Article 175 of the Criminal Law of People's Republic of China (PRC). Whoever cheats a bank or other financial institution, thus causing heavy losses to the bank or other financial institution, shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention and shall also, or shall only, be fined, or if there are other particularly serious circumstances, shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined. If a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph.