Septic financing when you need it

Clean Water Loans

Finance your septic repair or replacement with a Craft3 Clean Water Loan.

a house on a dock next to a body of water

Septic repairs are often urgent, unexpected, and costly. Craft3’s affordable and accessible septic financing helps homeowners stay in their homes.

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Financing to Fit

Borrow the entire cost of eligible design, permitting and installation. Lower interest rates for qualified lower-income borrowers.

Simple Terms

No up-front loan fees or pre-payment penalties. Perfect credit not required. Competitive interest rates.

Convenient Repayment

If required, make automated payments directly from your bank account.


Select your location to learn about your Craft3 financing options.

Customer Stories

Financing a New Septic System for Charles and Sharon

“Even on just Social Security income, we make too much money to qualify for a grant program that would have helped us take care of things. We really were coming up blank and didn’t have any idea where we could go to get help — until we found the Craft3 Clean Water Loan.” – Charles and Sharon

Making a difference

Investing in Homeowners

In 2022, Craft3 made over $15.6 million in loans to homeowners. 27% of dollars were to low-income homeowners, 25% to people of color, and 75% to women.

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For Contractors

We partner with contractors across Washington and Oregon. Visit our Contractor Resources page for more information.

Our Team

"What does a great day at work look like? Being able to say “YES” to someone who comes to us believing there isn’t any hope."

Jennifer Dow
Consumer Lending Lead