Overview

• Across loans completed on Verivox from August 2024 to July 2025, civil servants paid an average 5.68% interest for installment loans versus 6.59% for employees, about 14% lower.
• Lenders made offers in 80% of civil-servant credit requests compared with 52% for employees, signaling a markedly higher approval likelihood.
• Average loan size for civil servants reached €22,322, versus €17,121 across all borrowers in the dataset.
• Verivox reports that civil servants had roughly €1,300 higher average net income, supporting larger approved loan amounts.
• On a €22,000 five-year model loan, the interest-rate gap equates to roughly €529 in savings for a civil servant.