Credit Payment

Simple, Transparent Credit Payment

No hidden fees. No surprises. Just fair, transparent Credit Payment for farmers.

Interest Rates by Credit Tier

Your interest rate is determined by your credit score. Build your score to unlock better rates.

Building
18% APR

Credit Score: 300-579

  • Loans up to ₦1,000,000
  • Terms up to 12 months
  • Build your score
Fair
14% APR

Credit Score: 580-669

  • Loans up to ₦2,500,000
  • Terms up to 24 months
  • Quick approval
Good
10% APR

Credit Score: 670-749

  • Loans up to ₦5,000,000
  • Terms up to 36 months
  • Best rates
Best Value
Excellent
7% APR

Credit Score: 750-850

  • Loans up to ₦10,000,000
  • Terms up to 48 months
  • Instant approval

Loan Calculator

Estimate your monthly payments based on loan amount and term.

₦
₦50,000 ₦10,000,000

Monthly Payment

$0

Total Interest

$0

Total Repayment

$0

* This is an estimate. Actual rates may vary based on your credit score and other factors.

Fees & Requirements

We believe in complete transparency. Here's what you need to know.

Fees

Origination Fee 1% of loan amount
Late Payment Fee ₦5,000 or 5% of payment
Returned Payment Fee ₦3,000
Early Repayment No penalty
Application Fee Free

Eligibility Requirements

Must be 18 years or older
Active farm operation with verifiable income
Valid government-issued ID
Active bank account
Farm assets for collateral valuation

Why Farmers Choose Farm-Credit

Compare us to traditional lenders and see why we're the better choice.

Feature Farmers-Credit Traditional Bank Other Lenders
Approval Time Under 24 hours 1-2 weeks 2-5 days
Collateral Required Farm Assets Real Estate Often Required
Credit Building +50 points/payment Varies Limited
Asset Valuation Automated API Manual Appraisal Basic Check
Web3 Security Yes No Rarely
Early Repayment No Penalty Often Penalized Sometimes
Processing Fee 1% 2-3% 3-5%

Ready to Get Started?

Apply now and get approved in under 24 hours. No hidden fees, just fair financing for farmers.

Apply Now Have Questions?