Recreational & Timberland Loans for Large Acreage Buyers

Land Loans for Hunting, Outdoor Use, and Timberland Investment

Whether you’re dreaming of a place to hunt, fish, ride, camp with your kids, or build long-term value through timber, AgSouth Farm Credit helps you finance the land that fits your lifestyle. We understand large-acreage buyers because we live the lifestyle too, and we make rural land financing simple, confident, and straightforward.

What You Can Finance with a Recreational Land Loan

AgSouth provides flexible loans for a wide range of recreational and investment land uses, including: 

  • Large acreage tracts for hunting and outdoor recreation
  • Timberland investments
  • Mixed-use properties (recreation + timber + future home site)
  • Wildlife management and habitat improvement projects
  • Land with ponds, streams, or water features
  • Land purchases through realtor referrals
  • Undeveloped acreage for long-term planning 

Whether you're looking for 20 acres or 200+, we finance rural properties that match your goals today and grow in value for tomorrow. 

Make Your Land Plans Real. Contact Us.

Calculate Your Land Loan Payment

Amount Financed:
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Monthly Payment:
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This is an estimate of loan payment. Actual payment amount may vary depending on interest rate, closing date, and other factors.
AgSouth specializes in large acreage land loans with fixed rates up to 20 years.

Why Recreational & Hunting Land Buyers Choose AgSouth Farm Credit

Buying land is a big decision and you want a lender who gets why you're buying it. AgSouth is a top choice for recreational and large-acreage buyers because we offer: 

  • Experience with large rural tracts
  • Competitive long-term fixed rates up to 20 years
  • Local decision-making and quick turnaround times
  • Lenders who understand hunting, timber, and land management
  • Flexible terms based on income sources
  • Strong relationships with land realtors across the Southeast
  • The opportunity to share in AgSouth's sucess with Patronage refunds 

We speak the same language as outdoorsmen, and we make the loan process feel seamless, approachable, and confident. 

Customer Story

Where 268 Acres Meets Mission

AgSouth Farm Credit partnered with Operation Patriots FOB to finance the purchase of 268 acres of recreational land in Ridgeland, South Carolina. Understanding the importance of large tracts for hunting, fishing, trails, and wildlife management, AgSouth helped OPFOB create an outdoor retreat where veterans and first responders can connect, heal, and enjoy the outdoors.

Read Their Story

Recreational, Hunting & Timberland Loan FAQs

Do I need farming experience to get a recreational land loan?   

No. Many recreational buyers work full-time off the farm. 

Can I finance land that I plan to hunt and manage for wildlife?   

Absolutely. These are some of the most common recreational uses our member’s finance. 

Do you finance raw land with no structures or utilities?   

Yes - we specialize in large rural tracts, including undeveloped land. 

Can I use timber value to strengthen my loan application?

In some cases, timber can be considered. A full timber appraisal may be required.  

Do you offer long-term fixed rates for land?   

Yes - AgSouth is known for long-term fixed-rate land financing. Most commercial banks will not finance large acreage. We do.

How the Recreational & Hunting Land Loan Process Works

  1. Connect with a local AgSouth land loan expert. We’ll discuss your goals, acreage needs, and budget.
  2. Share your property details. Whether you found it through a realtor or on a land website, we review acreage, access, utilities, timber, and features.
  3. Build a loan plan. We help you choose terms, rate options, and down payment structure, including potential timber considerations.
  4. Apply and close with confidence. Our team works quickly so you can enjoy your land sooner.
  5. Start managing and enjoying your property. Improve habitat, build trails, hunt, fish, or simply unwind on your slice of rural paradise. 

Learn About Land Ownership
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How Certain Property Details Might Impact Your Land Loan
Land ownership becomes more and more attractive for some people. Finding the property and making it your own can sometimes pose challenges, however. We go over common property details and how it might affect your land loan when you’re searching for that perfect piece of land. We talk about land surveys, water tests, zoning requirements, and more.
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What is a Good Debt to Income Ratio and How to Calculate Yours
The debt to income ratio is used largely when getting a home or lot loan, but it can also help land buyers know their overall financial health before applying for a large acreage land loan. Before you apply for a loan, you should know your ratio and how it might affect your loan approval or terms.
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Land Loans: How to Do a Balance Sheet
We explain the why and how behind filling out a balance sheet when getting a land loan. Article includes a balance sheet template.

Contact a Land Loan Expert

About AgSouth Farm Credit

AgSouth Farm Credit is a member-owned agricultural cooperative serving Georgia, North Carolina and South Carolina. We provide land, farm, home, and agribusiness financing and return profits to our customers through patronage refunds.

Photo Credit: The header image on this page was supplied by the Georgia Forestry Association.