The short answer
The credit provider sets the offered rate within applicable law.
What this means for you
An enquiry is not an approval. The lender reviews identity, employment, documents, affordability and credit information before any offer.
For a government employee, your exact position, income, existing repayments and the lender’s programme rules can affect the outcome. Check the complete offer and ask the lender to explain anything you do not understand before accepting credit.
Frequently asked questions
Who sets my interest rate?
The credit provider sets the offered rate within applicable law.
Does working for government guarantee approval?
No. The lender still checks its employer rules, credit information and affordability.
Where can I confirm the terms that apply to me?
The lender’s written quotation and credit agreement will set out the rate, fees, term and total repayable.
Further reading: National Credit Regulator. Source pages describe general rules or lender processes; individual circumstances can differ.