How to redact your ID card for a loan application

Why a lender asks for your ID card

Lenders verify your identity and that you can repay. A national or state ID card shows your photo, full name, date of birth, home address, and a unique ID/document number.

A lender needs your identity and income confirmed — not your full account numbers or SSN kept on file. The catch: with your ID number, name, and date of birth, a thief can open accounts and pass identity checks as you. That's why you should hand over a redacted copy — see the full ID card redaction guide or what to redact for a loan application.

What to redact on your ID card

• ID / document number The unique number is the main key for impersonation and account fraud.
• Date of birth Combined with your name, it unlocks most identity-verification checks.
• Home address Exposes where you live and enables address-based fraud; rarely needed for an identity check.
• Signature Can be copied onto forged paperwork.

What to keep visible (so it's still accepted)

• Your photo
• Your full name
• The expiry date, if validity must be confirmed

The watermark to add

Stamp a purpose watermark so the copy can't be reused beyond a loan application:

Redact your ID card in 4 steps

1. Pick the photo. Open Cachera and choose the photo of your ID card with the system picker — only that photo is read, never your whole library.
2. Black out the sensitive fields. Drag a black block over the id / document number and date of birth. On export those pixels are destroyed — there's no hidden layer to recover underneath.
3. Add a purpose watermark. Stamp "For this loan application only" so the copy can't be reused beyond a loan application.
4. Export and send. Lay it out on A4, export a PDF, and share it with a lender. Everything happened on your iPhone — nothing was uploaded.

Is this OK to do?

FAQ

Will a lender still accept a redacted ID card?

Yes. Keep your photo and your full name visible so they can confirm what they need, redact only the sensitive fields, and add a clear "For this loan application only" watermark. A watermarked, partially-redacted copy is normal, accepted practice.

What should I never show on a ID card?

Hide iD / document number, date of birth, home address, signature. With your ID number, name, and date of birth, a thief can open accounts and pass identity checks as you.

Can the black bars be removed from the copy later?

No. Cachera flattens the redaction into the image on export — there is no hidden layer beneath the black blocks, so the covered text cannot be recovered from the PDF.

Should I send the original ID card instead?

Loan paperwork passes through brokers and back-office staff. Send redacted copies for review and complete sensitive steps on the lender’s secure portal. A redacted copy with a purpose watermark is usually the safer choice.