Flexible, convenient, money-saving features, patronage program

Farm Credit Services of America installment loans are specifically designed for intermediate-term needs (one to 10 years) for machinery, equipment, vehicles, real estate, facilities, breeding livestock, refinancing debt — even down payments on farm purchases.

Borrowers may also be eligible for patronage.

Convenient rate and term options

We offer a variety of unique rate and term options as well as payment flexibility. Here are just a few examples:

• Choose fixed or variable rates to meet your financing needs.
  
  
• Interim fixed feature locks in rate for specified period, saves you interest expense and protects you from rate increases. At the end of the period, the loan reverts to a variable-rate loan.
  
  
• Conversion feature gives you flexibility. If your financial needs change, you can convert your variable-rate loan to a fixed- or adjustable-rate loan, or fix the interest rate for a specific period after which it converts to a variable-rate once again.
  
  
• Interest rate "buy-down" option can reduce your payments. You can pay a fee at closing in exchange for an interest rate reduction.
  
  
• No prepayment fee or penalty. You can pay off your loan early to save interest expense.
  
  
• Flexible payment options to fit your cash flow needs. Select annual, semi-annual, quarterly or monthly interest payment frequencies; fully or partially amortized loans; and decreasing, level or accelerated payment schedules.
  

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