According to the relevant national laws and regulations, microfinance companies and guarantee companies in various places are not allowed to lend in different places and across regions. Therefore, the information published on the Internet that you can get a loan only with your ID card is a scam.
Please remember that it is absolutely fraudulent for the other party to ask you to pay any upfront fees for any reason. Under any circumstances, don't remit money, transfer money or pay any fees to others first to avoid being cheated.