Alabama Land Loan Lender

Let us help you finance rural land. Get started by completing our loan application or contact an Alabama Farm Credit loan officer at (877) 681-6087 or reach out to one of our branch offices. 

Loan Application

About Our Rural Land Loans

Alabama Farm Credit can finance qualifying rural land. This may include land for lake homes, hunting cabins, country retreats or renovated farmhouses.

 Alabama Farm Credit, founded in 1916, is part of the Farm Credit System, a nationwide network of customer-owned financial institutions providing loans and related financial services to U.S. farmers and ranchers, farmer-owned co-ops, rural homebuyers, agribusinesses, and rural infrastructure providers. Alabama Farm Credit provides financing to help members purchase farms and rural properties, and loans for ag-related improvements and operating costs.

Owning land is the American dream. Raising a family, while sometimes challenging, can provide lasting, beautiful memories. The land you buy is a massive part of making sure those memories are lovely. The right piece of land might have that perfect fishing hole you've dreamed of, maybe a secluded area where you can hunt, or it may simply be an oasis where you can enjoy wildlife and nature with those you love. Whatever you envision as land-owning bliss, Alabama Farm Credit is the lender you can trust to provide the right loan for your land purchase.

Alabama Farm Credit is proud of our team of experts because they understand everything about rural financing. They understand life in rural communities because they live and work there. When you're ready to refinance your existing land or take the first step to owning your land, our experienced team is here to help.

Lender for Land Purchase in Alabama

We've helped many members obtain land loans for a variety of purposes, including:


  • Land loans to build new construction, including homes or barns
  • Land loans to buy land for hunting, fishing, riding horses, or other recreational activities
  • Land loans to make improvements to the existing land

Land Loan Rates

Many of our customers already know what they want with their land loans. We provide easy financing solutions that help them realize their land-owning goals. For example, they may want to buy land as a rural getaway from the city, refinance their current land for improvements, or buy land to build a barn and raise horses. Not a problem! Our experienced lenders work with clients to develop a loan package that meets all their land and construction needs. You can realize your land-owning vision with Alabama Farm Credit with our competitive land loan financing rates and various land loans that will meet your exact requirements. We offer flexible loan terms, fixed-rate loans, short-term loans, and long-term loans. In addition, Alabama Farm Credit offers custom land loans to meet the needs of every client, with interest rates that will vary due to credit score, the loan size, and other considerations.

The best part? When Alabama Farm Credit does well financially, you benefit. As a cooperative, we support the cooperative principle of sharing our success with our members. Every borrower is also a stockholder who receives a part of the association's profits.

Apply for a Land Loan


If you're ready to take the first steps toward making your land-owning vision a reality, please get in touch with us to discuss any questions you may have. You can also visit us for land loan assistance at our five convenient locations in the northern region of Alabama. Finally, if you're ready to start the land loan process, please begin your application process online.


farmhouse kitchen

Estimate Your Loan Payment

Input your purchase price and interest rate, and quickly estimate your loan payments.

Loan Calculator

Competitive Interest Rates

To receive an interest rate quote, contact the branch office nearest you.

Get Quote

Frequently Asked Questions

We’ve curated the top questions we’re asked most often. If you are unsure about our services, how a cooperative works or other details, you may find the answer you’re looking for right here.

More FAQs

Yes, we make loans for the purchase, construction and improvement of homes located in rural areas. We also finance  rural homesites where a home is designated for future construction.
We make  loans to purchase land, refinance existing mortgages and other debts, construct and repair homes and other buildings, make property improvements, construct or improve agribusiness facilities, purchase machinery and equipment, purchase livestock, finance agricultural operating expenses and other needs.
Primarily, the nature of the loan, its purpose and the financial capacity of the customer determine repayment options. Repayments are set up to coincide with the borrower’s cash flow. They also may be paid in installments from farm operations or non-agricultural sources.
family of fve walking in field


We’ve created a pathway to ownership for young, beginning and small farmers.

At Alabama Farm Credit, we recognize that the future of American agriculture depends on a new generation of producers. Whether you’re completely new to farming, a 4-H member buying a show heifer for a foundation herd or a young person taking over the family farm, our New Generation II Loan may be what you’re looking for.

Find Out Who's Eligible

Alabama Farm Credit Out in the Field

Learn more about Alabama Farm Credit, our members and the work we do for Agriculture in our communities.

Field Notes

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