Civil servants receive more favorable loan terms, benefiting from a lower interest rate of 14% and increased credit limits, as reported by Verivox.

In a recent study conducted by Verivox Financial Comparison, it has been revealed that civil servants are paying significantly less in interest costs on their installment loans compared to employees. The study, which evaluated all installment loans concluded via Verivox from August 2024 to and including July 2025, found that on average, civil servants had to pay 5.68% interest, while employees paid 6.59%.

This means that civil servants pay 14% less in interest costs on their loans. The lower interest rate for civil servants is due to their special employment status, as they are considered highly secure borrowers by banks due to their near job security, stable finances, and often above-average income.

Oliver Maier, CEO of Verivox Financial Comparison, made these statements to the Funke media group's newspapers. He did not, however, make any statements regarding the loan amounts in the reported news.

The average loan amount of all borrowers is 23 percent lower, with an average of 17,121 euros. Civil servants, on the other hand, take out significantly larger loans, with an average loan amount of 22,322 euros. This higher income of civil servants allows them to take out larger loans, despite having to pay a part to the health insurance. The report does not provide information about the health insurance costs for employees.

The study also found that civil servants receive a financing offer in 80% of all cases, while employees receive one in 52%. This could be attributed to the banks' perception of civil servants as extremely reliable borrowers.

For a model loan of 22,000 euros with a five-year term, civil servants would save 529 euros in interest compared to employees. This savings is a significant advantage for civil servants, especially when considering the long-term implications of such a loan.

The findings of this study were reported in the Saturday editions of the Funke media group's newspapers. It is clear that this advantage is given by many banks, as analyzed by Verivox, making it a worthwhile consideration for civil servants looking to take out an installment loan.

Civil servants receive more favorable loan terms, benefiting from a lower interest rate of 14% and increased credit limits, as reported by Verivox.