Depending on what level of difficulty you select, you begin the game with different debt. On level easy, it will amount 50 000$, on medium - 100 000$ and on hard - 150 000$. The maximum amount that you can loan is 200 000$. When developing your farm, you will frequently come to realize that you could use some additional cash (for example to buy a sprayer). Taking a loan is one of the options here. Is it a poor choice? Not necessarily - the interest is only 560$ per day and buying a machine that will increase your profits (for example by increasing the amount of crop or speeding up your work process) can be worth it.
To take a loan, you have to go to one of the ATMs or just press the key responsible for your finances [INS]. In the tab that will open, you will see some important information about your expenditures and below the balance, you can see the option that allows you to borrow 5000$. Remember that it remains active only until you borrow 200 000$. You can pay off your debts the same way (it is good to use the money surplus for that and to pay in small installments). The interest is taken from your account every day. It is not so big, so when you need more money, don't hesitate and take a loan.