According to the relevant regulations of credit cooperative loans, even if there are civil servants as the guarantee of your credit cooperative loans, the loan procedures should follow the normal regulations, and there is no guarantee that they will pass.

Civil servant guarantee is a kind of loan guarantee, which mainly protects the borrower's own interests. Once the lender fails to repay the principal and interest of the loan, the guarantor needs to repay it in full (including all expenses such as litigation).