They can choose the very best for a special civil servant loan. More information about this special loan for civil servants can be found below.

 What is an official loan?

What is an official loan?

But now the question: What is an official loan? This is a new type of loan which is to include can close. ‘Among other things’. Because several Dutch lenders advertise with this. Only civil servants can borrow money with this special loan application.

What is the advantage of such specific officials financing?

That is a good question. Why should you apply for an official loan as an official ? What makes this financing different from any other? Now you should know that an official loan does not essentially differ much from regular loans, loans that anyone can take out. The civil servant loan is therefore simply a personal loan or a revolving credit.

The public funding is useful for any civil servant who is looking for a cheaper loan. These loans are therefore cheaper and, as an official, you can borrow money at much more favorable conditions.

Why are officials nominated by lenders?

Or you can speak of pretense, that is of course the question. However, it is a fact that civil servants (in general) offer more security for a bank. They are often certain of their jobs and all kinds of studies show that civil servants are very reliable payers. This means that they have a better payment morale than average.

Banks are happy to lend money to this group of workers. A credit intermediary such as responds to this. They only deal with loan applications from officials. For this they work together with a number of lenders . The partners of civil servants are also entitled to this loan. And the same applies to semi-civil servants.

Various types of civil servant loans for civil servants

As we have already mentioned above, officials have built up a very good reputation with banks and credit providers. They usually pay their loyalty loyalty and have a high job guarantee.

Because lenders are less at risk when lending to officials, they charge less or no risk storage. This means that the official can borrow money at a lower interest rate. That is why government loans are generally much cheaper. There are different types of civil servant loans for civil servants.

You can apply for this in the form of a personal loan or revolving credit from a specialized lender such as . But also with other credit providers such as Freo, Frisia, VDZ, Credit competitor and so on.

The personal loan (PL)

The personal loan , also abbreviated with ‘PL’, is one of the most popular forms of lending in the Netherlands. You can determine the loan amount yourself and you opt for a fixed term. Even before the end date has elapsed, you can pay off the loan.

The advantage of this loan is that the interest is fixed. Because this does not change, you always pay a fixed monthly amount of repayment and interest. This is called a monthly term. As a civil servant you can usually borrow up to 75,000 euros with a personal loan. A term of up to 120 months is the maximum.

Nowadays you are free to pay extra money without penalty. The personal loan is a reliable loan. You know what you are signing for. The interest rate does not change during the term and you will be guaranteed to redeem!

The revolving credit (DK)

The revolving credit is a consumer credit that can go on indefinitely. This means that you can always withdraw the redeemed amounts. Officials opt for the personal loan more often than for the revolving credit.

Incidentally, the continuous credit is also being requested less frequently by ‘regular employees’. But that aside … You also choose a loan amount with this credit. You will not be credited this amount to your account in one go. You can use a credit limit. This means that you can pick up parts of it when it suits you.

You pay interest only on the amount you withdraw. You will pay off part of a monthly amount, but you have the freedom to reinstate redeemed amounts. It can therefore be difficult to fully repay the debt for a certain end date. A disadvantage is also that interest can vary. The bank uses a variable interest rate.

Therefore borrowing money with a revolving credit can become more expensive over time.

You are a civil servant? Lucky you! You can borrow cheaper money …

As an official you are extra cheap with a special official loan. This is because banks calculate a higher interest rate for consumers who do not pay off their credit on time. Civil servants, on the other hand, are known as loyal payers. Because they have a better payment mentality than average, banks charge less or no risk storage. Your interest rate is therefore ‘storage free’. Lucky you!

Benefits of civil servant loans:

  • Faster acceptance by the lender.
  • Favorable loan conditions.
  • Borrow money because you are not a risk case.


  • Only suitable for civil servants (and their partners) and semi-civil servants.
  • The conditions can change during the term if you are no longer an official.

Loan conditions for civil servants

Do you work in the public sector? Then you are eligible for the civil servant loan. Do you work with the government, the province or the municipality as a municipal official? Then you can borrow cheaper money with a loan for civil servants.

This also applies to civil servants who work at the police, the water board, in education or as employees in healthcare. Civil servant partners can also apply for an official credit. Most (semi-) civil servants take out their loan via .