Agricultural Loans
Existing agricultural loans
Beginning November 1, 2026, interest rates across all existing UDAF loans will be set to 0% for one full year to support producers in Utah.
- Effective Dates: November 1, 2026 – October 31, 2027.
- Automatic Application: No action is required. This change will apply automatically to every active loan.
- Rate Return: On November 1, 2027, interest rates will automatically revert to the interest rate stated in your promissory note.
Optional loan payment deferral
If temporarily pausing your loan payment would further assist in your recovery, you may apply to defer your payments for up to 12 months.
- Deadline: You must submit your deferral request via our official online form no later than October 31, 2026.
- 2026 payments already made: If you have already made your 2026 payment, you may opt to defer your 2027 payment.
- If you are currently past due: If you are behind on your payments and would like to explore a loan payment deferral, please submit the online form. Our team will contact you to discuss your specific options.
- Approval & eSign process: Once submitted, loan staff will review your request and email you a loan modification form to eSign prior to your upcoming payment due date.
- Resuming payments: Regular payment schedules will resume automatically at the end of your approved deferral period, according to the terms outlined in the modification agreement.
To opt in for payment deferral, you MUST fill out the form online no later than October 31, 2026. If you receive a submission confirmation, your request is in queue and loan staff will reach out as quickly as possible.
Agriculture Resource Development Loan
This program is aimed at conserving and improving agricultural resources in Utah, with objectives including conserving soil and water, increasing agricultural yields, improving water quality and wildlife habitat, and mitigating damages caused by natural disasters.
Emergency Disaster Relief Loans
The purpose of the program is to assist agricultural producers by providing loan funds to help them address extraordinary circumstances related to declared disasters that have resulted in production losses.
Rural Rehabilitation Loans
This program serves as a loan of last resort, offering financing to farmers, ranchers, and agricultural cooperatives who are unable to secure financing from conventional sources. These funds are used to support farm stability and growth mainly through farm and rangeland acquisition and debt restructuring.
The Agriculture Resource Development Loan and Rural Rehabilitation Loan programs are administered by the Utah Conservation Commission and the Agricultural Advisory Board, respectively. Both programs are overseen by the Utah Department of Agriculture and Food and its loan program staff.