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First South Farm Credit

First South understands your unique needs!

Whether you're looking to buy some land, a country home, or need financing for ag or farm purposes, we have an experienced loan officer near you.

Your local loan officer, who specializes in land and ag lending, is ready to guide you through various financial options customized to your distinctive needs.

Your financial options may include:

  • Fixed rates up to 30 years
  • Variable rate loans with flexible terms
  • Flexible loan terms and payment plans

Loan Guarantees

First South Farm Credit works closely with government agencies that offer loan guarantees to help manage risk.

To better serve our customers in rural Alabama, Louisiana, and Mississippi, First South partners and participates with the USDA Farm Service Agency (FSA), the USDA Rural Development Agency and the U.S. Small Businesses Administration (SBA).

First South is a preferred lender with the FSA and an approved lender with the SBA for loan guarantees.

Partner Spotlight: Simmons Sporting Goods

"We all want our piece of the country to pass down for generations to come."

First South Farm Credit is Simmons Sporting Goods lender of choice when it comes to finding and financing recreational real estate that can be passed down to future generations. 

More Loan Options


Young, Beginning, Small, Military Veterans and Minority Farmers

Finding a reliable source of credit can be a challenge, especially if you're starting a new farm, transferring to an existing farm, or simply growing your operation.

If you qualify as a young, beginning, small, or minority farmer, First South Farm Credit can guide you through the YBSMVM financing program and related services customized to fit your unique needs.


Create A New Legacy Through Farming

New Generation Farmers are often leaders in finding new ways to market. In the case of Community Supported Agriculture, "shares" in the year's harvest are sold, and delivered directly to shareholders.

First South recognizes that Direct-to-Consumer, Non-Traditional, and New Generation farmers are a part of the future of agriculture and is prepared to meet their financial needs.