In Nigeria, credit access is a major problem among rural farming households due among others to lack of adequate collateral. The availability of social capital to households has been known to remove the problems associated with collateral hence improving the poor’s access to credit. However, very little is known about effect of Social Capital on credit access. This study therefore, examined the determinants of Credit Access and the bi-causal relationship between Social capital and Credit Access among Cocoa Farming Households (CFH). Primary data were collected from 150 randomly selected CFHs from the cocoa producing Agricultural Development Project (ADP) Zones in Osun State with the aid of well structured questionnaire using multistage sampling procedure. In the first stage, six Local Government Areas (LGAs) were selected proportionate to the number of LGAs in each zone. In the second stage, five villages were randomly selected from the chosen LGAs using the ADP list of villages. In the last stage, 150 households were randomly selected proportionate to the number of households in the villages selected. Data collected include socio-economic, social capital and credit characteristics. Analysis was done using descriptive statistics, social capital indices and censored Tobit regression model. The average cocoa farming household size was 8.0±3.7 persons belonging to at least 3 associations, while the average age of the cocoa farming household head was 56±9.8 years. The mean credit amount accessible to the cocoa farming household was N70, 692±33474.3, 44.67 and 19.33% of the respondents got below and above the mean value, respectively, while 36% of respondents could not access credit. Cocoa farming households have meeting attendance index of 75.52% and decision making index of 6.40% in the associations. Index of heterogeneity as 56.30% in association, while, cash and labour contributions were 15.04 and 12.23%, respectively. The aggregate Social Capital Index was 25.81% in association indicating low level of social capital among the cocoa farming households. A unit increase in Social Capital would increase credit access of cocoa farming households by 0.36%. Social Capital was truly exogenous to Credit Access with no reverse causality. A unit increase in cocoa farming household size decreases (p<0.05) CA by 0.99 while, unit increases in years of experience, amount of credit requested, availability of collateral and cash contribution in association increases (p<0.05) CA of CFHs by 0.19, 0.0006, 2.22 and 0.07, respectively. Although, CFH have good meeting attendance, poor decision making and cash contribution in associations however, affected their credit access. The study concludes that SC positively affect CFHs credit access.