Informal sources of credit prevail in the rural areas of developing countries mostly cater farm households.  Hence, this study was conducted to analyze the determinants of rural credit access decision among small-scale rice farmers in Calintaan, Occidental Mindoro, Philippines using binary logistic regression. A total of 74 randomly selected farm household heads, who have direct supervision in rice farming activities, participated in the study. The results of the binary logistic regression indicated that gender, age and education were the significant determinants of rural credit decision. This research recommends other factors, working sectors and settings for future research.