Clean Water Loans

Loans to replace failing septic systems

Finding out your septic system is failing can be an expensive problem. That’s where Craft3 comes in. With support from many partners, we offer an affordable Clean Water Loan to help families repair or replace their failing septic system with no money down.

Our Clean Water Loan makes it easier to fit the complete cost of designing, permitting, installing and maintaining your septic system into your household budget. In some cases, you can also finance connection to a nearby municipal sewer system.

Craft3 has unique approval criteria and repayment terms that work for a wide range of property types and family circumstances. Fewer failing septic systems in our communities means fewer families vulnerable to displacement and less pollution that can harm our children, natural resources and local industries reliant on clean water.

Our loan works for you


  • Properties can be owner- or non-owner occupied. Rentals and second homes are eligible.
  • One of the following must apply:
    • your septic system is at least 25 years old;
    • your system is failing and you have evidence to support it;
    • you have been contacted by Health Officials; or
    • you are under orders to fix your septic system.
  • Counties currently served by Craft3:
    • Residential Oregon: All
    • Residential Washington: Clallam, Grays Harbor, Island, Jefferson, King, Kitsap, Mason, Pacific, Pierce, Snohomish, Thurston, Wahkiakum and Whatcom
    • Commercial Septic Systems: All in Oregon or Washington

We make replacing your septic system easy
  1. Submit your loan application online or download a PDF. Receive pre-approval within three business days. If you mail your application, pre-approval may take longer.
  2. Obtain a design for your system, permits and installation bids from an approved contractor.
  3. Finalize your Craft3 loan. Securely sign your loan documents electronically or by mail. 50 percent of your loan amount is available upfront for design, permits and installation.
  4. Oversee the work by your contractor to repair or replace your septic system.
  5. Authorize Craft3 to pay your contractor once work is completed to your satisfaction and approved by your local jurisdiction.
  6. Enjoy your new system — making sure to maintain it properly. All loans include a $2,000 reserve to support your system’s ongoing health.
  7. Repay your Craft3 loan via convenient automatic bank payments.
Rates & Terms

Residential Properties
Loan are available throughout Oregon and in select Washington Counties. Rates and terms are determined by applicants’ annual household income.

Household Income
Loan Terms
up to 15 years**
Project and Loan
Up to $35,000,
(2.04% APR)
Borrower may choose to have Deferred payment***,
Interest-Only payments***
- or -
Fully-Amortized payments.
Deferred Payment Option:
$15,000 loan amount*,
No monthly payments for 179 months,
1 balloon payment of $19,456 due on the 180th month.
$35,001 - $55,000,
(4.36% APR)
Borrower may choose to have
Interest-Only payments***
- or -
Fully-Amortized payments.
Interest-Only Payment Option:
$15,000 loan amount*,
179 monthly interest payments of $50.83,
1 balloon payment of $15,051 due on the 180th month.
Greater than $55,000
- or -
Non-owner-occupied, rental
property or secondary home
(5.62% APR)
Fully-Amortized payments of
principal and interest.
Fully-Amortized Repayment:
$15,000 loan amount*,
180 monthly principal and interest payments of $118.58.
APR, Annual Percentage Rate
* Loan availability, terms and conditions current as of 9/26/2016 and are subject to change. Residential property examples include financing of Craft3 $595 loan fee. Not all applicants will qualify.
** Principal balance and interest (if applicable) due on sale, transfer, refinance or maturity. Subordination may be available with lender approval, fees may apply.
*** If, after 15 years, homeowner has not sold, refinanced or otherwise transferred ownership of the property, is in compliance with the loan agreement, and meets relevant lending/program criteria, the 15-year loan period may be extended, at the lender’s sole discretion, for up to an additional five years.
Our Supporters
The Boeing Company Charitable Trust
Clallam County
Bill & Melinda Gates Foundation  
Grays Harbor County
Greater Tacoma Community Foundation
Hood Canal Coordinating Council
Jefferson County
King County
Kitsap County
Kitsap Public Health District
Laird Norton Family Foundation
Mason County
National Fish & Wildlife Foundation
Oregon Department of Environmental Quality
Oregon State Legislature
Pacific Coast Shellfish Growers Association
Pacific County
Pierce County
Participating OSS Professionals
Port Gamble S'Klallam Tribe


Public Health Seattle & King County
Puget Sound Partnership
Skokomish Tribe
Snohomish County
Tacoma-Pierce County Health Dept.
The Russell Family Foundation
Thurston County
U.S. Environmental Protection Agency
University of Washington Sea Grant
Washington Onsite Sewage Assoc.
Washington State Department of Ecology
Washington State Department of Health
Washington State Legislature
Washington State University Extension
Wahkiakum County
Wells Fargo
Whatcom County
Titcomb Foundation