Borrow money just need ID and driver’s license supported by many financial companies. This service brings convenience, documents are completed quickly, money is returned to the wallet in a few hours.

Therefore, customers love this fast loan. Let’s find out the loan terms, procedures and how to pay the loan of this method.

What is a loan with just ID and driver’s license?

To put it simply, borrowing money with just an ID and a driver’s license is a form of unsecured loan. These two types of documents are the minimum conditions that borrowers must meet when they need to borrow money.

This form of loan has been positively responded by many customers because it does not require collateral. In addition, borrowers do not need to prove their income and do not require a guarantor or registration support borrow money online fast.

What is a loan with just ID and driver's license?
What is a loan with just ID and driver’s license?

Usually, common, normal, monthly installment loan just cmnd and driver’s license used for consumer loans or installment loans for electronics, motorbikes, etc.

Evaluate the pros and cons of getting a loan with just your ID and driver’s license

Borrowing money with just an ID and a driver’s license has certain advantages and disadvantages. The specific features of this type of loan are as follows.


Borrowing money with just an ID and a driver’s license is chosen by many customers because of its many conveniences:

  • Loan interest rates are competitive. Specifically, this interest rate is about 22% per year. This interest is calculated on the reducing balance of the loan.
  • Customers can borrow up to 200 million VND.
  • The loan period is flexible, ranging from 1 to 3 years, depending on the customer’s choice.
  • Loan application and disbursement process is very fast. Usually, the implementation time only takes 15 to 30 minutes. Customers can be disbursed immediately at the bank or through bank transfer.


This loan still has a drawback, that is, the amount of money allowed to fly is not higher than 200 million, which will make it difficult for customers with higher borrowing needs.

In addition, customers must ensure the credibility of their own loan history. Since this is a type of unsecured loan, if you have bad debt information, it will be difficult for you to apply for a loan

Top 5 units Borrowing money just need ID card/CCCD and prestigious driver’s license (GPLX)

The market today has many addresses that provide loan services with just a cmnd and a driver’s license for you to easily choose. Below are some famous and reputable financial companies in providing lending services.

Home Credit

This is a strong financial company, with the full name of Home Credit Vietnam Finance Company Limited. Currently, this unit is present in 63 provinces and cities and serves more than 7.7 million customers in our country.

Home Credit
Home Credit

All products are available here borrow money online transfer instant loans, installment loans and credit cards. Along with that is attractive interest rates, quick transactions. Some information about this lender includes:

  • Interest rate: 22% per year.
  • Maximum loan limit: 200 million.
  • Installment period: 1-3 years.

FE Credit

This is the address of a large financial company in our country, with the full name of the consumer credit division under the Vietnam Prosperity Commercial Joint Stock Bank (VPBank).

FE Credit
FE Credit

Over 11 years of operation, this unit owns 13,000 points of sale and serves more than 10 million customers. The products of this unit are quite diverse, including loans, installment loans and credit cards:

  • Interest rate: 2.92%/month.
  • Maximum loan limit: 70 million.
  • Installment period: 1-3 years.

Mirae Asset

Mirae Asset
Mirae Asset

This is a financial group that entered the market in December 2007. This is also one of the top financial institutions in our country. Mirae Asset Finance Vietnam is known as a subsidiary of Mirae Asset Global Financial Group (Korea).

  • Interest rate: 1.58%/month.
  • Maximum loan limit: 100 million VND.
  • Installment period: 1-3 years.

HD Saison

HD Saigon is a finance company with wholly foreign capital. This company provides a full range of loan services, installment loans. Established in 2007, this unit now owns more than 12,000 transaction points nationwide.

HD Saison
HD Saison

In addition, HD Saigon is serving more than 4 million customers.

  • Interest rate: 1.49%/month.
  • Maximum loan limit: 100 million.
  • Installment period: 1-3 years.

SHB Finance

Add a financial company address followed by SHB Finance. Currently, this unit operates in 40 key provinces and cities. SHB Finance is known by its full name as Saigon – Hanoi Commercial Joint Stock Bank Finance Company Limited.

  • Interest rate: 1.81 – 2.7%.
  • Maximum loan limit: 100 million.
  • Installment period: 6 – 36 months.

SHB Finance
SHB Finance

These units all help customers get loans quickly. The loan information is clear, so you don’t need to worry about online loan channels scamming customers.

Instructions to borrow money just need ID card/CCCD and driver’s license (GPLX)

Instructions to borrow money just need ID card/CCCD and driver's license (GPLX)
Instructions to borrow money just need ID card/CCCD and driver’s license (GPLX)

To make a loan with just a cmnd and a driver’s license, you should note some of the following issues:

Loan conditions

In addition, borrowers who are eligible for quick procedures must also satisfy the following conditions:

  • Be a Vietnamese citizen, currently between the ages of 20 and 60.
  • Customers have a stable source of income and no bad debt history.

Prepared profile

The documents to make loan procedures are very simple:

  • ID card or CCCD is still valid.
  • License.

Loan process

You can apply the following basic loan process to apply for a quick loan:

  • Step 1: Go to the transaction point of the financial company that you decide to apply for a loan.
  • Step 2: Ask a counselor to make a loan and check the limit you can participate in.
  • Step 3: After agreeing on a loan with a reasonable interest rate, you can choose a loan for the staff to draft a contract. At this time, the operator will call the phone number you provided to verify the information.
  • Step 4: Wait for the application to be appraised, you will be signed a loan confirmation contract. At this time, you can receive cash directly at the transaction point, or through a registered bank account.

In general, the time to approve and sign the application only takes about 15 to 30 minutes. The simple and quick process won’t keep you waiting long.

How much is the loan interest rate for just cmnd and driver’s license?

Depending on the financial company that borrow money just need ID card and driver’s license is also different. You can absolutely apply interest rates from 1.5% to 2.7%. More specifically, you can discuss with a counselor when doing loan procedures to capture more accurate rates.

How to pay the loan?

There are many ways to help you pay your loan, specifically:

  • You can go directly to the transaction point, bank, collection point or transfer money through the ATM’s feature to make payment. You can use Vietinbank ATM, Sacombank ATM, Vietcombank ATM, etc. Any bank can make payment.
  • If you are busy, you can pay online through the financial company’s own application, internet banking or pay via linked e-wallets.

No matter which method you use, you can pay quickly, as long as you have a contract number and a specific amount to close.

Note that you should not pay too long late. Employees will call to collect debt continuously, which can make you feel uncomfortable.

FAQ – Borrow money with just ID and driver’s license

Many customers who are planning to borrow money with just their ID and driver’s license have some questions. This leaves them confused and unable to decide. So we can address some of the questions below.

Can I borrow money to pay installments with bad debt with ID card and driver’s license?

No. Because one of the conditions to get a loan using cmnd and driver’s license is no bad debt.

Does the appraisal call a relative or survey the home?

Have. After completing the process of providing loan registration information, the switchboard will call the relatives that the customer provides information to confirm.

Can I pay off my installment loan early?

Have. Depending on the regulations of the financial company, you can pay off the installment loan early.

Details of the amount you want to pay immediately, you can contact the operator for detailed support.


Borrowing money just requires a ID card and a driver’s license to bring convenience and not require much, so it is chosen by many customers. However, if you want to borrow in this form, you should find out a reputable address, with clear information to be more secure in the loan process.

If you find this article still does not solve your question! Don’t hesitate to connect us here:

  • Website:
  • Reader: Nguyen Anh Truc
  • Phone number: 0707563960
  • Mail: [email protected]
  • Address: No. 19B, Ky Dong Street, Ward 9, District 3, Ho Chi Minh City.

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