Social capital is considered as influential in economic transactions, including access to credit. This research aims at testing relationships between components of social capital with access to credit in Vietnam's rural areas. The testing is conducted with two regression models: binary logistic and multinomial logistic ones. The results show that formal social relationship networks reduce possibility of getting access to formal credit, and households with wider social networks are likely to belong to the group with access to s:mi-formal more than the group with access to formal credit. Such conflicting results may come from specific characteristics of credit market in Vietnam's rural areas.