Top 10+ Loans with Just ID Card and Household Registration Photo

Currently, the Vietnamese financial market offers various loan options with different benefits and interest rates. Many individuals are struggling to access suitable financial support due to obstacles related to loan conditions or complicated paperwork. Therefore, this article aims to help you gather information about the top 10+ loans that only require an ID card and household registration photo.

1. What is a loan with just an ID card and household registration photo?

A loan requiring only an ID card and household registration photo is essentially an online unsecured loan offered by banks or financial institutions without the need for collateral, documents, property, or guarantors. With just a valid ID card and a legal household registration photo, borrowers can quickly apply and receive funds on the same day through this loan type.

2. Advantages of Loans with Just ID Card and Household Registration Photo

Compared to numerous other financial assistance options available in the current market, loans requiring only an ID card and household registration photo offer the following significant advantages:

• Quick registration for loans without the need for collateral, third-party guarantees, or asset pledges.
• Simple and easy document preparation procedures, only requiring a valid ID card and household registration photo.
• Online loan application through websites for fast processing.
• Generous loan limits suitable for various personal expenses such as living expenses, rent payments, or tuition fees.
• Fast loan disbursement on the same day, with funds transferred to the borrower's bank account.
• Transparent interest rates and loan terms.
• Many promotional policies offer preferential interest rates for first-time borrowers.

3. Eligibility Criteria for Loans with Just ID Card and Household Registration Photo

To quickly pass the loan application approval process and access unsecured loan packages with ID card and household registration book, customers need to meet several basic requirements as follows:

• Borrowers must be Vietnamese citizens, residing and working within the territory of Vietnam.
• Borrowers must belong to the working-age group, with a minimum age of 18 years old.
• Borrowers must possess all necessary personal identification documents to prove their legal citizenship.
• Borrowers must have no bad debts, late payment history, or overdue debts at any credit institution.
• Borrowers must have the capacity to take responsibility for their actions under the law.
• Borrowing customers must not be wanted or have violated the law.

4. Procedures, Documents for Same-Day Cash Loan

The procedures and documents required for same-day cash loans with just ID card and household registration book include:

• Customers need to prepare all documents regarding their ID card, certified copies by local authorities.
• The household registration book must be fully photocopied, including blank pages, verified by local authorities where they reside.
• Electricity bills (only required for customers with loan amounts exceeding 10 million VND).
• A copy of the salary statement for the last 3 months along with the labor contract signed by both parties.

In addition, when submitting loan approval applications, it is necessary to bring the original documents for verification by transaction staff.

5. Top 10+ Loans with only ID card and household registration book

With many unique advantages, especially the quick process that saves customers a lot of time, many financial institutions have recognized and implemented this unique financial service. Below are some reputable financial institutions we want to introduce to you.

5.1 MoneyCat

MoneyCat has long been known as a familiar name when it comes to online personal financial loans with many special offers for customers.

Among them, for the form of Loans with only ID card and household registration book, MoneyCat gains an advantage by implementing special incentive policies:

• Special reference interest rates starting from 18.2% per year.
• Loan applications with limits ranging from 500,000 VND to 15 million VND.
• The loan period is also very flexible, ranging from 15 to 90 days.
• Automated approval system, quick disbursement.
• Access link: https://moneycat.vn/

5.2 Jeff

This financial institution has been recognized as one of the potential lending destinations. Jeff has won over customers thanks to its very attractive features in implementing loans with ID card, household registration book like:

• Loan limits ranging from only 500,000 VND to 10 million VND.
• Competitive interest rates starting from 18.3% per month.
• Fast, reputable, and secure loan services.
• Flexible lending period from 30 days to 90 days.
• Access link: https://www.jeff.vn/

5.3 Takomo

The name Takomo is also evaluated as a very good choice for customers due to the following characteristics in policies:

• The loan limit will range from 500,000 VND to 10 million VND.
• The average interest rate will be only 18.3% per year.
• Customers will be supported 24/7.
• Loan terms range from: 90 to 180 days.

5.4 FE Credit

FE Credit is known as the fastest disbursing financial institution in the market at the moment, FECredit also has certain competitiveness in this form of lending and this lending unit has quickly won over customers with the following lending policies:

• Fast disbursal of funds within 24/7.
• Utilization of technology, quick profile approval, completely automated.
• Special interest rate of only 0% for 7 days.
• Disbursement limit up to 20 million VND.
• Average interest rate starting from: 18.3% per annum.

5.5 Vay VNĐ

Vay VNĐ is certainly a familiar name in the Vietnamese credit lending industry. This financial institution usually targets customers with moderate incomes, and the loan package only requires a CMND and household registration photo. Vay VNĐ's lending program is based on the following policies:

• Flexible loan amounts from 10 million VND to 70 million VND.
• Flexible repayment terms from 6 months to 36 months.
• Instant disbursement, funds will be disbursed on the same day.
• Very favorable interest rates starting from 1.81% per month.

5.6 Tima

Established since 2019 under the management of a prominent multinational technology conglomerate, Tima's online loan platform also joins this lending package with many attractive policies as follows:

• Maximum support loan limit up to 20 million VND.
• Interest-free for first-time loan applicants.
• Loan term from 7 days to 30 days.
• Reference interest rate starting from 1.523% per month.

5.7 True Money

True Money is renowned as a pioneering leader in introducing unsecured loan products in the Vietnamese market, undoubtedly True Money is a familiar name in the Vietnamese financial market. One of its flagship products is online loans with ID card and household registration photo, which are implemented with many different attractive terms:

• Special offer program with zero interest for the first 10 days.
• Rapid disbursement within 4 working hours.
• Acceptance of bad debt profiles in group 1, group 2.
• The loan limit ranges from 500,000 VND to 300 million VND.
• Reference interest rate starting from 18.3% per annum.

5.8 Dong 247

Dong 247 is known for its reputable lending service, offering low-interest rates in Vietnam and extremely simple procedures. Dong 247's application review time is only 30 minutes, and the funds will be transferred directly to your bank account. Moreover, Dong 247 does not charge any fees for any loans on the system.

• A wide range of loan options, simple and easy procedures.
• Loan amounts ranging from 10 million VND to 50 million VND.
• Flexible repayment period from 6 months to 36 months.
• Highly favorable loan interest rates starting from 1.58% per month.
• Extensive operating range.

5.9 On Credit

On Credit is known as an intermediary platform to help customers access unique loan products from leading financial institutions in the market such as: VPBank, VIB, Lotte, Home Credit,... Online loans with just ID card and household registration photo possess unique characteristics:

• Submit and approve applications entirely online.
• Huge loan limits, up to 70 million VND.
• Flexible repayment terms from 6 months to 36 months.
• Special interest rates starting from 1.66% per month.
• Simple application with ID card and certified household registration photo.
• High approval rate for loan applications.

5.10 Easy Loan

A familiar name in the realm of online financial personal loans, Easy Loan is also a reliable entity with transparent terms:

• Loan amounts ranging from 1 million VND to 15 million VND.
• Applicable interest rates starting from 18.1% per annum.
• Customers must be between 22 and 60 years old.
• Flexible terms extending up to 12 months.
• 0% interest for the first loan.

6. Risks of Loans Using ID Card and Household Registration Photo

You can easily borrow money and get it disbursed very quickly. However, borrowers still need to be cautious when accessing loan forms that only require an ID card and household registration photo due to potential risks, such as:

• Legal intervention in transactions involving loans with just an ID card and household registration photo is difficult. Therefore, if you intend to accumulate debt with entities offering loans in this form, you may face various professional debt recovery measures that current laws do not permit.
• Interest rates are often higher compared to traditional bank loans.
• Late payment interest rates are quite high and increase rapidly on a daily basis.
• Debt recovery measures when borrowing in this form can also affect the borrower's morale, such as threatening messages, continuous debt collection calls, bad debts on records, etc.

Hence, this loan form should only be used if:

• Customers have poor credit, making it difficult to borrow from traditional banks.
• Customers are in urgent need of money on the same day to resolve issues, require a small amount, and have a short-term repayment period.

7. Some FAQs about Loans with Only ID Card and Household Registration Photo

Is Late Payment Okay?

Customers who borrow money and pay late may face risks such as:

• High late payment fees calculated based on the overdue period.
• Professional debt recovery measures, risks of bad debts, or debt selling.

Can You Get a Loan with a Household Registration Book with Bad Debt?

In reality, some financial institutions still accept applications with bad debts from group 1 and group 2 to expand opportunities for customers.

However, cases with good credit history and no bad debt balances are always prioritized with a high approval rate.

Is it possible to borrow from multiple applications at the same time?

If you urgently need money, you can absolutely borrow from multiple different apps to increase your borrowing capital. However, the prerequisite is to meet the ability to repay debts on time to prevent future risks.

Payment Methods for Loans

Fast, convenient, and efficient are the top criteria of this loan package that only requires an ID card and household registration photo. Therefore, customers can make payments through one of the following three methods:

• Payment via e-wallets: Momo, Viettel Pay, Zalo Pay, Airpay, etc.
• Direct payment at the bank by transferring funds to the lending institution.
• Payment through authorized convenience stores: VinMart, Circle K, Viettel, etc.

How long does it take to disburse a loan with just an ID card and household registration photo?

This will depend on your lending partner. Many institutions are now offering quick disbursement within 15 minutes.

In this article, we have gathered information about the Top 10+ Loans that only require an ID card and household registration photo. If you find the article helpful, please support us by sharing it with your friends and family.