Livestock Loans

Financing for the purchase, care, feeding or refinancing of debt on livestock.

Key Benefits of Financing Livestock with Us

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Attractive Rates

Fixed, adjustable or variable rates, including rate conversions.

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Flexible Payment Options

Loan terms range from short-term grass cattle financing to longer term loans for breeding livestock.

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Tailored to Livestock Operations

Livestock loans can be customized to meet your specific financing needs.

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Cash-Back Dividends

We share our success with customer-owners, effectively reducing borrowing costs.

Farm Credit Services of America customer

Manage Risk With a Team That Understands It

Our insurance agents are highly trained, dedicated specialists who have the tools to help you make important risk management decisions.

Insurance products are excluded from our patronage program.

Livestock Loan Rates and Terms

Fixed Rates

Locks in interest expense for predictable payments and cash flow management.

Variable Rates

  • Usually a lower rate that follows market conditions.
  • Rate based on either market index or FCSAmerica-administered indexes.


Loans are subject to eligibility and credit approval. 

Available rates and terms, including the annual percentage rate (APR) are subject to change without notice.

Cash-back dividends are based on eligible loan volume and Association financial results. Prior distributions should not be interpreted as guarantees of future performance.

Additional Benefits

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Rate Conversions

If rates change and we can help you save money, we'll contact you. 

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Apply Online

Easily apply for a Farm Credit Services of America loan when it is convenient for you.

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Flexible Payment Schedules

Loans have the flexibility to mirror payments with income flow, ranging from monthly to annually.

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Account Access

View balances and transaction histories, transfer funds, make payments and more through AgriPoint®.

How to Apply for a Livestock Loan

Livestock loans are term loans that involve a lump sum disbursal at the beginning of the loan period and have a fixed repayment term. Term loans may be secured by collateral which in some cases can include the asset being financed or a personal guarantee.

Livestock loans can be used for:

  • Purchasing livestock
  • Breeding livestock
  • Cow/calf operations
  • Backgrounding
  • Feedlots
  • Dairy

We offer flexible financing for livestock loans, with a variety of rate options and payment schedules that align with your cash flow. 

When applying for a term loan, be prepared to share some basic information about your operation, your financial background and what you plan to utilize the loan funds for. Your repayment capacity and credit history will be factored into the approval decision. 

Once approved, your local financial officer will work alongside you to choose the rates and terms that best fit your operation’s needs. If your financial needs change, you may be able to convert a variable-rate loan to fixed-rate loan or a fixed-rate loan to a variable-rate loan. 

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Get Started

Contact us if you have questions or need more information.