Comparison portal
Officials receive cheaper loans than employees
On average, civil servants pay fewer interest for installment loans than employees. The evaluation of Verivox also shows that their chances are significantly better when it comes to loans. Why is that?
On average, officials pay significantly fewer interest rates than employees. According to an evaluation of the Verivox comparison portal, the average interest rate for state employees in the past twelve months were 14 percent lower. According to this, officials had to pay 5.68 percent interest on 6.59 percent. The Funke media group had first reported.
Officials also have advantages when it comes to loans: In 80 percent of the cases, they received an offer; for employees, the quota was only 52 percent. Verivox mentions the high job security of civil servants and their often above -average income.
In addition, officials often take up higher loan sums. In the evaluation period, an average of 22,322 euros. In contrast, the average loan amount of all borrowers with 17,121 euros is 23 percent lower, says Verivox. All installment loans that were completed from August 2024 to July 2025 via the comparison portal were evaluated for the calculation.
dpa
Source: Stern
