Legal analysis: Generally speaking, it is effective to sign an IOU without fingerprints, which can be used as an important document for debt collection. Of course, there are also special places in general. According to the law of our country, the borrower needs to sign or seal the loan contract. Please note that, in other words, a signature or seal is enough. Don't worry, there is another condition, that is, it is legal, which means that the borrower signed your contract.

Legal basis: Article 490 of the Civil Code of People's Republic of China (PRC). If the parties enter into a contract in the form of a contract, the contract shall be established when the parties sign, seal or press their fingerprints. Before signing, sealing or fingerprinting, one party has fulfilled its main obligations, and the contract is established when the other party accepts it. A contract shall be concluded in written form as stipulated by laws, administrative regulations or agreed by the parties. If the parties do not do this in writing, but one party has fulfilled its main obligations and the other party accepts it, the contract is established.