Loan with provisional identity card

The local registration authority issues a provisional ID card after the ID document has been lost, provided that the citizen is dependent on the replacement ID. Possession of a passport makes the provision of the temporary identity card superfluous, unless it has to be sent to a foreign embassy following a visa application.

The provisional ID document contains all the data of a regular federal identity card, including the date of birth and the registration address. The replacement ID is valid for a maximum of three months, so that few people have to apply for a loan with a provisional ID card. Legislators do not provide any restrictions, but banks often behave differently.

Loan rejection with provisional identity card

Loan rejection with provisional identity card

Bank customers experience time and time again that a financial institution rejects the desired loan with a temporary identity card. The legislature, however, sees the replacement ID document as a full ID during its validity and permits all applications. Even trips abroad are usually possible with provisional ID cards, only a few countries that do not require a passport anyway do not recognize the document as equivalent to a standard ID card. The reason for the rejection by border guards is not so much the provisional nature of the document as it is the maximum validity of three months.

When banks refuse a loan with a provisional ID card, they mostly state that the temporary document is easier to forge than the standard ID card. While this claim can be proven statistically, fake temporary ID cards are rarely used to borrow. In addition, bank clerks can hardly recognize professional counterfeits even with ordinary ID cards, so there is no increased risk from the provisional personal document. The Postident procedure is also possible with a provisional ID card, whereby the financial institution can recognize the type of document presented in the corresponding form. The individual credit institutions do not grant a loan on presentation of a provisional ID card is based solely on internal orders.

Consumers can therefore take out a loan with a provisional identity card at any time. All you have to do is make sure that the bank you select recognizes the temporary personal document.

Technical difficulties with online loans with a temporary identity card

Technical difficulties with online loans with a temporary identity card

If the customer wishes to apply for an online loan with a provisional ID card, the application may not be accepted for technical reasons. The reason for this is the ID number to be specified in the application form, for which the examination procedure is based on regular ID cards and not on provisional documents. However, German financial institutions must offer a way to apply for loans with ID from other EU countries because they must not discriminate against their citizens.

In this case, one option is to send the ID number by e-mail and then manually activate the application form by a bank employee. This system can also be used if a German applicant takes out a bank loan with a temporary identity card. In the case of instant loans, the need to manually transmit the ID number can lead to an extension of the processing time so that the bank can only pay out the money after three instead of two bank working days. This slight disadvantage is acceptable.

The provisional identity card in retail

The provisional identity card in retail

In the case of an installment payment agreement in retail, it depends on the specialist knowledge of the seller whether he approves the desired loan with a provisional ID card. Quite a few sales employees simply do not know the provisional ID document and therefore cannot check its correctness. In the case of written orders, mail order companies are not obliged to carry out identity checks by means of an identity card or the Postident procedure, since the provisions against money laundering only apply if amounts of money and not exclusively goods are actually handed over. This means that these are possible without restriction with provisional personal documents.

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