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One of the most important concerns facing the world today is financial inclusion. Organizations, financial institutions, and people in positions of responsibility are all demonstrating an interest in learning more about this. Several industrialized and emerging nations have recognized financial exclusion as a major socio-economic problem that needs to be addressed. This paper aims to examine the factors influencing smallholder farmers' financial inclusion in Zimbabwe. Using the logistic regression analysis, the results of the study pointed out that there was a considerable correlation between a household's size, off-farm income, agricultural extension service, distance, and transaction costs in a logit model, which was used to determine whether it had access to financial services. Government and financial service providers should strive to make it easier for people to get to their nearest banking institutions by establishing access points close to their residences. Filling stations and major supermarkets are examples of places where these access points could be positioned. As a result of greater access to formal financial services, small-scale farmers may benefit. Financial service providers must perform regular charge reviews as one of the factors that may deter families from utilizing financial services.