Nigeria has large economic potential with high profitability but profitability is not increasing, and agricultural production is poor. This is hinged on the understanding of the impact of credit use on profitability, however, the influence of credit use on cassava production remains poorly understood, consequently affecting the profitability of cassava farmers. Thus, this study assessed the impact of credit use on the profitability of cassava farmers among smallholders in southwest Nigeria. Multi-stage sampling procedure was used to select 210 smallholder cassava farmers for the study. A structured questionnaire was used to collect data on the socio-economic characteristics and profitability of cassava farmers. Data were analysed with descriptive statistics, budgetary analysis, ordinary least squares (OLS), and
Budgetary analysis shows that mean revenue per hectare from cassava production was ₦131,917.8 ($369.4)/ha for credit users with gross margin of ₦85,138.7 ($238.4)/ha and return on investment of 1.54, whereas ₦117,602.5 ($329.3)/ha for non-users with gross margin of ₦71,923.4 ($201.4)/ha and return on investment of 1.31, implicating that cassava production is a profitable and viable enterprise and that credit users are more profitable than non-users. Farm size (