Purpose: Financial inclusion is critical for improving rural livelihoods, yet many farmers remain excluded due to various socioeconomic and systemic barriers. This study examines the factors influencing financial inclusion among smallholder farmers in Zimbabwe, focusing on access to formal financial services. Methodology: The study employs a binary logistic regression model to analyze data collected from smallholder farmers, assessing the impact of financial literacy, education, age, gender, household size, and farm characteristics on financial participation. Results indicate that while 94.4% of farmers achieve basic financial inclusion, only 25.6% access multiple financial services. Findings: Financial literacy emerges as the most significant determinant, with limited education, large household sizes, and gender disparities having a negative effect.