The study analyzed the differences in income farmers with and without access to credit in Southern Agricultural Zone, Nasarawa State. Nigeria. The specific objectives were to; Identify and describe the various sources of information regarding access to credit, determine the income levels of farmers with access and without access to credit,compare farmers with access and those without access to credit in the study area and identify constraints to access to credit by farmers. Multi-stage sampling technique was used to select a sample of one hundred and eight (108) respondents. Data were collected through the use of structured questionnaires and analyzed using frequency, percentages and t-test. The study revealed that there was a significant difference between income of farmers without credit and those without credit. Majority of the farmers with access to credit were within the income levels of N200,000 and above representing 61.1%, while majority of those without access to credit are within income levels of less than N200,000 and accounted for 83.4%. Some of the constraints identified include; Risk associated to agriculture due to crop/livestock failure (23.66%), Uncertainties associated to price fluctuation of agricultural products (18.32%), Inadequacy of the amount to be given (15.78%), Fear of harassments (11.45%) and Formalities/bureaucracy associated to acquiring credit (11.2%). However, despite these problems, some small-scale farmers still to produce food for own consumption and some surplus for the market. This study therefore recommends that government at all levels as well as other credit delivery institutions should take more pragmatic steps in providing regular and sustained financial support for small-scale farmers in order to improve their s economic activities. This will ensure increased production and a boost in agriculture over a long period of time. Government policies also need to be re-directed on government sponsored and guaranteed agricultural financing schemes that could favour the smallholder farmers who are the prime producers of food crops in Nigeria both for consumption and export.