Can I apply for a loan in Zhejiang without SMS function on the citizen card?

You can't. You need a mobile phone verification code to apply for Zhejiang loan, and you can't apply without SMS function. Chinese mainland short message, China Hongkong short message and China Taiwan Province short message are a kind of mobile phone service. Text or digital information directly sent or received by users through mobile phones or other telecommunication terminals is translated from English "short message service".