Overview

• A new Verivox analysis of installment loans arranged from August 2024 through July 2025 finds median interest of 5.68% for civil servants versus 6.59% for employees.
• Civil servants received financing offers in 80% of credit inquiries compared with 52% for salaried workers.
• Verivox calculates an illustrative saving of about €529 on a €22,000 five-year loan at the lower median rate.
• In the sample, civil servants reported roughly €1,300 higher average net income and borrowed larger sums, averaging €22,322 versus an overall €17,121.
• The results cover only loans concluded via the Verivox platform and were published by WAZ on August 29, 2025.