Abstract: Cultivated land is crucial for ensuring national food security. It is essential to investigate the spatial spillover effect of digital inclusive finance on the ecological efficiency of cultivated land utilization to promote the development of rural finance, farmers' income, and the efficient use of cultivated land. This study uses panel data from 27 prefecture-level cities in the Northeastern Black Soil Area from 2011 to 2021, employing the ultra-efficiency EBM model to measure the ecological efficiency of cultivated land utilization. The research reveals the impact of digital inclusive finance on cultivated land utilization and the spatial spillover effect using the spatial Durbin model and partial differential decomposition method. The results show that digital inclusive finance has been steadily improving in the Northeastern Black Soil Area, and the ecological efficiency of cultivated land utilization has increased in a "W" type fluctuation with significant regional differences. Digital inclusive finance directly affects the improvement of local cultivated land utilization, displaying an "inverted U" non-linear relationship. It also has a spatial spillover effect on adjacent land, presenting a "U" non-linear relationship. The relationship between digital inclusive finance and ecological efficiency of cultivated land utilization in the Sanjiang Plain and Changbai Mountain-Liaodong hilly areas is consistent with the effect of the Northeastern Black Soil Area. Based on these findings, policy suggestions are proposed to strengthen the foundation for digital inclusive finance development, narrow the gap in regional digital inclusive finance, and avoid the syphon effect of digital inclusive finance. This will ensure the coordinated promotion of high-quality development of digital inclusive finance and effective protection of black land.