1, repay the principal and interest in one lump sum. This repayment method is suitable for short-term loans and does not need to be repaid in installments every month. After maturity, the principal and interest can be repaid in one lump sum. For farmers, because the production cycle of crops or animal breeding is long, they can only make profits after harvest, so this repayment method is quite suitable for farmers, so try to choose this repayment method if possible.

2. Repay in advance. Some farmers' funds can be recovered in advance. In order to reduce the loan interest, we can try to repay the loan in advance. This repayment method needs to contact a credit union or a bank before it can be operated.

3. Recycle lending and returning. This is a popular loan method at present. Banks or credit cooperatives give a certain amount according to the actual situation of farmers, which can be borrowed and repaid in cycles within the scope of the amount and period. Within the credit limit and term, interest is calculated according to the amount and days used.

4. Equal principal and interest. Repay the loan principal and interest in equal amount every month, in which the monthly loan interest is calculated according to the remaining loan principal at the beginning of the month and settled on a monthly basis. This repayment method is less stressful, and it is better to plan financial expenditure reasonably.

5. Average capital. The monthly repayment amount is different. Compared with the matching principal and interest, the total interest expense is lower, and the monthly repayment pressure in the early stage is greater, and the repayment amount in the later stage will be more and more affected, which is suitable for farmers with better income and economic conditions.