4-H Loan Program
Credit and financial smarts for 4-H youth.
Part of the club
This loan program is exclusively available to 4-H club members. If that means you, fill out an application jointly with your club leader.
A head start
If you're already interested in purchasing marketable livestock or financing another approved project, this might be the program for you.
Parental guidance
We know "financing" is usually for adults. 4-H loans require the co-signature of a parent or guardian, so youth can learn without the risk.
Key product details
| Interest rate | Variable, based on ATB's prime rate |
| Repayment term | 1-5 years1 |
| Maximum loan | $5,0002 |
| Early repayment | In full at any time, no penalty |
Frequently Asked Questions
You can fund up to three approved projects with one loan. The maximum loan is always $5,000, but you can divide that amount between multiple projects.
Ready to get started?
You're young, but you're ready to start your own herd. We believe in you. That's why we offer the 4-H Loan Program.
Repayment term is determined by the 4-H project type being funded.
Based on approved credit.
Related documents: 4-H Loan Application (PDF), Unsecured Loan Terms and Conditions (PDF)