Agriculture is an important industry that facilitates economic development, employment, and food security. But financial constraints frequently hinder farmers from embracing advanced farming methods, which results in decreased productivity. Farm loans are an important source of finance that helps farmers to invest in improved machinery, quality seeds, fertilizers, and efficient irrigation systems. This proposed method analyzes the various agricultural loan schemes, their contribution to increasing farming productivity, and the difficulties farmers encounter in obtaining financial support. The research also investigates various loan schemes, comparing government-guaranteed loans, private sector lending, and online lending platforms. Through a review of current literature and research methods, this paper identifies the performance of different loan models and proposes recommendations for improved accessibility and efficiency in farm financing. The results highlight the necessity of policy changes, financial education initiatives, and the inclusion of digital banking technologies for improving access to loans and enhancing repayment systems to ensure sustainable farm development.