More than 900,000 people work as civil servants in the Netherlands. Civil servants can work at central government, the province, the municipality, the water board, police or another institution that is managed by the (semi) government. We are happy to tell you on this page what makes a government loan special.
Officials have a good reputation with lenders.
They have a high job guarantee and, as a rule, are very loyal to repaying the loan, resulting in relatively fewer payment arrears. As a result, a civil servant’s loan is often cheaper and they borrow at the lowest possible interest. The more specialized lenders we collaborate with use the lowest interest rates in the market. You can see which they are at the bottom of this page.
Are you working as a civil servant or semi-civil servant? Then there is a good chance that you can take out a cheap loan with lenders. This is also possible if your partner works as a civil servant and you do not. At lenders you can choose from a personal loan or a revolving credit, in addition you can choose the desired monthly period and the desired term of the loan so that you can fully tailor it to your own wishes.
With a personal loan, you determine the amount of the loan and the term in which you want to repay the loan. The minimum amount of a personal loan is € 10,000 and the maximum amount is € 75,000. For the duration of the personal loan you can choose a period from 6 months to a maximum of 120 months. You are guaranteed to pay off the entire loan within this period, and it is also possible to make additional repayments without penalty . If you pay off without penalty, you will be quicker to get rid of the loan. In short, with this loan you have maximum certainty and yet flexibility of the option to repay without penalty.
With a revolving credit you choose the amount that you want to borrow. Depending on the amount of the loan, you choose the amount that you want to repay each month. The amount of the monthly amount is 1%, 1.5% or 2% of the loan. For example, with a loan of € 25,000 the monthly amount will be € 250, € 375 or € 500 per month. The duration is calculated depending on the monthly amount. It goes without saying that with the highest monthly amount the duration is the shortest. The difference with the personal loan lies in the fact that with a revolving credit you can withdraw the amounts already repaid by you up to the credit limit. This gives you more flexibility and you can also pay off at any time without penalty.
Apply for a loan
At lenders you can request a civil servant loan 24 hours a day free of charge and without obligation. On the lenders request form you enter the information required to receive a free quote. This will be sent to you by email and, if desired, by post. This way you can look and compare at home at your leisure. Curious about your options? Request a free quote.