Please read these terms carefully before using our platform
Last updated: February 2026
By accessing and using the Farmers-Credit platform, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by these terms, please do not use this service.
To use our services, you must:
Interest rates range from 5% to 15% APR based on creditworthiness, loan amount, and collateral provided. Rates are clearly disclosed before loan approval.
Loan terms range from 3 to 24 months. Payments are due monthly and can be made via bank transfer, Paystack, or cryptocurrency.
Borrowers must provide farm assets as collateral. Asset valuation is conducted via our automated API system. Collateral remains locked until loan is fully repaid.
As a user of Farmers-Credit, you agree to:
Farmers-Credit shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use or inability to use the platform. We do not guarantee uninterrupted or error-free service.
We reserve the right to terminate or suspend your account and access to the platform at our sole discretion, without notice, for conduct that we believe violates these Terms of Service or is harmful to other users or our business.
These Terms of Service shall be governed by and construed in accordance with the laws of the jurisdiction in which Farmers-Credit operates. Any disputes arising from these terms shall be resolved through binding arbitration.
If you have any questions about these Terms of Service, please contact us: