Frequently Asked Questions

Never applied for a loan through Cooperative Credit Company? Check here to see if your questions can be answered. If not, call us at 1-800-681-1975 and we'd love to answer any question you may have!

Happy Farmer

How do I know if I am eligible for a CCC loan?

CCC provides loans to the producers of our member cooperatives and elevators throughout the Midwest. To determine if your co-op or elevator is a participant, click here.

Am I required to purchase all of my supplies from the cooperative?

Certain loan programs have specific purchasing requirements. Please refer to the applicable program under the "Programs" menu item.

What does full financing mean?

Through our full-financing program, we offer all the agricultural loan options that a bank or conventional lender would offer, including cash rent, production needs and other capital needs of a farm or ranch operation.

What is Your Choice Financing?

The Your Choice Financing program offers you a simple application and approval process for convenient financing of your crop inputs from your cooperative.

Can I apply for a loan online?

Yes. You can find loan applications on our member cooperative pages under "Apply" of the main website menu. You can upload your completed and signed application via our secure link. A loan officer will then get in contact with you. To learn more, click here.

Who makes the credit decision?

CCC processes and reviews your application with all pertinent information required for the specified program. CCC works in conjunction with your cooperative, which supports your loan, to make the final credit decision. CCC will reach out to you via mail or phone call to inform you of the credit decision.

How long does it take to get a loan approved?

The approval process depends on the loan program selected. Your Choice Financing loan applications can receive approval as quickly as the same day or longer if additional information is needed. The full-financing, accounts receivable and livestock building loan applications will often take longer due to the additional information requirements.

How do I advance on my loan?

Invoices can be submitted by the cooperative or yourself. Payments will be made directly to the vendor.

How do I make payments on my loan?

Payments can be made to CCC by check, ACH or wire. For ACH or wiring instructions, please contact CCC. If you would like to pay off your loan, call us for a payoff quote.