Land Loans

Competitive land loans up to 20 years

Do you want to buy land?

Whether you’re looking to raise your crops, your family or have room to play, AgSouth Farm Credit offers competitive land loans, providing you with experience land lenders to guide you through the process.

Land Loans from Expert Land Lenders

  • Large Acreage Tracts
  • Timberland
  • Hunting & Recreational Tracts
  • Farmland
  • Land Improvements
  • Construction
  • Small acreage and residential lots

Refinance your existing loan. Call a loan officer to lock in a long-term, fixed rate!

Benefits of financing through AgSouth:

  • Financing up to 20 years (15 years for lot loans)
  • Competitive rates and terms
  • Up to 85% financing (75% for lot loans)
  • Lending staff specializing in land and timber financing
  • Share in our profits


How to Buy Land: Learn the Financing Timeline and FAQ's

Use our land loan calculator to estimate your monthly payments and understand the terms of your land loan.

Land Loan Payment Calculator

This land loan calculator computes monthly payments & the total interest based on the purchase price, a minimum down payment of 15%, interest rate and number of monthly payments


*This is an estimate of loan payment. Actual payment amount may vary depending on interest rate, closing date, and other factors.

The Farm Credit advantage: we share our profits.

When you do business with Farm Credit, you become a member. As a cooperative, we return our profits to those who borrow from us. Want more info?

Calculate how much you could get back.

Your estimated Patronage Distribution:


Which effectively lowers your total interest cost for the first year of your loan from $8,000 to:


This effectively lowers your interest rate from %99 to:


* Important Notice: The patronage factor of 20 percent (percent of interest distributed) used in this statement is a projection based on the current estimate of earned interest for 2023 and may be higher or lower than actual amounts. Actual patronage for the year 2024 and all future years will be based on the performance and profitability of AgSouth Farm Credit in those years. Actual patronage factors may be higher or lower or there may be no patronage in some years. No representations are being made to you regarding future interest rates, the amount of any future patronage distributions, or whether there will be any future patronage distributions.

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