Credit is an important factor for triggering agricultural growth when it is utilized properly. This study aimed at examining the credit utilization pattern and repayment behavior of the farmers using cross sectional data of 80 farmers belonged to five different villages under Mirpur Upazila of Kushtia district in 2009. Respondents were grouped into small, medium and large farm size and analysis was done accordingly. The study revealed that the lion’s share of loaned money was utilized productively which indicated borrower’s positive attitude towards productive utilization of credit in the study area. Overall loan recovery scenario was found to be quite satisfactory. Self-consciousness and hope of getting future loan were reported by most of the borrowers as major factors of timely loan repayment. Econometric result shows that respondents’ education, farm size and household income were statistically significant contributing factors towards loan repayment behaviour of the respondents.