Loan Programs

The Right Loan Program For The Farm

At First South, we understand the challenges farmers throughout Alabama, Louisiana and Mississippi face each and every season. That’s why we view our loans as true solutions—enabling you to pursue your unique goals and focus on what really matters to you and your family.

We specialize in financing or refinancing land as well as land improvements, farm and timber operations, agricultural expenses and more.  We offer both fixed and variable rates, and flexible terms up to 30 years.

We also proudly support Young, Beginning and Small Farmers as well as Non-traditional and New Generation Farmers. In fact, First South is a motivated participant in underserved agriculture markets and farm communities. Moreover, our loans and services are custom-designed and packaged by financial professionals who understand the intricacies of agricultural lending.

Loan Terms

First South's loan programs offer competitive rates with the following terms:

Long-term Loans

Loans for purchasing or refinancing land.  We offer:

  • Farmland for Crops, Livestock, Poultry and More.
  • Timberland for Production.

Intermediate-term Loans

Loans for expanding or enhancing your operation.

  • Land Leveling
  • Agricultural Equipment
  • Irrigation Systems and More

Short-term Loans and Lines of Credit

Credit for covering a wide variety of operating expenses.

Young, Beginning, Small and Minority Farmers

First South understands the needs of Young, Beginning, Small and Minority (YBSM) farmers, and we have programs uniquely designed to help you build the foundations of a successful operation. Learn More

Loans for Non-traditional and New Generation Farmers

The farming business is constantly changing, and First South is enthusiastic about meeting the challenges of emerging business models. No matter your situation, we’re ready to respond with the right loan products and lines of credit backed by more than a century of expertise. Learn More

Loan Program Options

First South offers financial solutions to meet your lifestyle needs—and our experienced loan officers are here to help you choose the best options for you, your family, and your farm.

  • Fixed rates up to 30 years
  • Variable rate loans with flexible terms
  • Full line of 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.