It is legally effective to borrow money without fingerprints. If the borrower and the borrower sign a written loan contract, the loan contract shall be established when the borrower and the borrower sign and seal it; Secondly, if both parties do not sign and seal at the same time, the loan contract will be established when the latter party signs and seals; Therefore, whether the natural person signs or not is the key to the establishment of the contract. In the case of signature, handprints are unnecessary. However, in the case that the parties can't or can't write, they can adopt the method of pressing fingerprints, and pressing fingerprints at this time has the same effect as signing.

Legal basis:

Article 502 of the Civil Code of People's Republic of China (PRC)? A legally established contract shall come into force upon its establishment, except as otherwise provided by law or agreed by the parties. In accordance with the provisions of laws and administrative regulations, if the contract should go through the approval procedures, such provisions shall prevail. If the failure to go through the formalities such as approval affects the effectiveness of the contract, it will not affect the performance of the obligation clauses such as approval and the effectiveness of relevant clauses in the contract. If the party that should go through the formalities for approval fails to perform its obligations, the other party may require it to bear the responsibility for violating its obligations. The modification, assignment and dissolution of a contract shall be subject to the provisions of laws and administrative regulations, and the provisions of the preceding paragraph shall apply and shall be subject to approval.