High Plains Farm Credit’s ag loan and lease programs help you manage cash with competitive rates and flexible terms. We offer real estate farm loans for purchasing property, operating lines of credit for seasonal cash flow, and livestock and equipment loans to grow your farm or ranch. Our team also finances agribusinesses and offers flexible ag leasing as another option for improved cash flow.

Grow Your Operation With the Right Choice in Ag Lending

Agriculture is the only industry we finance, and we've been proud to do so for more than a century. At High Plains Farm Credit, we specialize in ag loans and leasing programs designed for farmers, ranchers, and agribusinesses across Kansas. From farm ownership loans and land loans to operating credit for seed, livestock, and equipment, our financing provides competitive rates and flexible terms. 

Review our farm and ranch loan options and see how we can support your operation's long-term success. 

Rural dirt road between Kansas farm fields at sunset, representing ag loans and leasing for farmers and ranchers.

HPFC Ag Loan and Lease Programs

Learn more about ag-focused mortgage and commercial loans designed to provide flexibility for your cash management needs.

Real Estate Farm Loans

Purchasing a rural home or farm? Looking to make improvements to your property? Considering refinancing debt on farms, ranches, facilities, and rural real estate? HPFC offers a wide range of products for your unique situation.

Operating Lines of Credit

Flexible operating loans offer the freedom to run your farm or ranch as you see fit. Our operating lines of credit see you through the seasons and cycles of agriculture and can be customized to meet your feed, seed, labor, and fuel needs.

Livestock and Equipment Loans

Borrow funds for new or used equipment, grain bins, buildings, farm improvements, vehicles, and livestock – all at rate options that fit the needs of your operation.

Agribusiness Loans

The HPFC team is proud to offer financing to individual agribusiness owners in addition to feedlots, grain elevators, ethanol plants, or any other ag processing or manufacturing company.

Ag Leasing

Equipment and facilities leasing can offer tax advantages and flexibility to fit your cash flow needs. The HPFC team provides expert loan, lease analysis and can help to determine which option is right for you.

What Are the Benefits of HPFC Ag Loans?

Competitive Rates

including fixed, variable, or a combination of both.

Expert, On-Farm Service

with a relationship lender that understands ag and gets to know your unique operation.

Flexible Terms

tailored based on the agricultural loan’s purpose, repayment terms, and desired flexibility.

Reliable Credit

with a century-long history as a consistent source of credit through all agricultural cycles.

Loan, Lease Analysis

alongside your loan officer in determining the best option for your operation.

Easy Account Access

and monitoring via our online banking or mobile app.

Flexible Terms and Interest Rates for Ag Lending

The unique structure of the Farm Credit system allows us to offer competitively priced rate products and terms on agricultural loans. High Plains Farm Credit’s interest rates reflect current market trends because our funds come from the sale of Farm Credit bonds.

Thanks to our responsible track record, our securities are attractive to investors and generally sell at only slightly higher rates than equivalent treasury bills and securities.

Explore our flexible interest rate options and learn more about our funding model!

Fully fixed rate to maturity loans with various prepayment options. Available in 30-day to 30-year long periods.

Interest rates may change monthly based on the cost of short-term money. Available in one- to 30-year terms.

Typically, one-month rates indexed to either New York Prime or LIBOR (London InterBank Offered Rate). Available in one- to 30-year terms.

Interest rate is typically fixed for a one-, three-, or five-year period. Available in five- to 30-year terms with rate “caps” to protect you from excessive rate increases.

Interest rate is typically fixed for a five- or 10-year period, then subject to reprice monthly according to our variable rate loan program. Available in terms up to 30-years.

When interest rates or circumstances change, you can convert existing ag loans to lower interest rates or other available HPFC products.
Aerial view of a Kansas farm with grain bins and equipment, highlighting ag loans and leasing for farm operations.

Ready to Make the Right Choice for Your Operation?

Choosing High Plains Farm Credit for your ag loan means you get more than competitive rates, flexible terms, and our expert team’s analysis.

In fact, as a customer stockholder, you can share in HPFC’s success through our record of returning a percentage of earnings as patronage dividends.

Ready to learn more about our ag financial solutions and what it means to be part of the cooperative?

Frequently Asked Questions About Ag Loans

Ag loans can be used for land, equipment, or livestock purchases. They can also fund farm ownership or operating expenses like seed, feed, and fuel, depending on your agricultural needs. 

Ag loan rates rates vary by loan type, term, and market conditions. High Plains Farm Credit’s rates are based on current market trends because they come from the sale of Farm Credit bonds.

Yes. HPFC offers a special agricultural loan program for beginning farmers and younger generations looking to continue the family farm. This program offers flexible terms and support to help new producers establish operations. 

Operating loans provide short-term funds for production expenses, while farm ownership loans focus on purchasing or refinancing farmland and facilities for long-term growth. 

When considering a farm ownership loan, processes include, but are not limited to:

  • Research of relevant market data
  • Inspection of the land to assess its characteristics
  • Research of comparable sales

Yes. Borrowers work with local loan officers who understand agricultural operations and provide personalized assistance for farm and ranch loan options.

Our team lives and works in the rural Kansas communities you call home and we’re proud of our boots-on-the-ground approach to providing producers with quick decision making and high-quality service.

Young crops growing in a wide Kansas farm field, illustrating crop insurance coverage for early growth stages.

Ready to Work With High Plains?

The Process Starts Here:

  1. Contact our team today!
  2. Submit an application and documentation with the help of local loan officers.
  3. Get to work with the freedom to operate your way.