Aren’t sure how you’ll afford to repair or replace your failing septic system?

DEQ may be able to help.

Since 2016, DEQ has partnered with nonprofit lender Craft3 to make affordable Clean Water Loans available to Oregonians for septic system repairs. Properly functioning septic systems treat sewage to minimize groundwater and surface water pollution, and malfunctioning systems can be a health hazard.

The Clean Water Loan program is designed to help those who may be unable to qualify for conventional financing. Homeowners and small businesses work directly with Craft3 to determine their eligibility, seek approval, and service their loans.

Clean Water Loans can pay for up to 100 percent of costs associated with your septic repair or replacement project, including:
  • Septic system design
  • Relevant permits
  • Installation
  • Ongoing maintenance
  • Sewer connections
  • Essential safety measures, such as those to prevent children and pets from falling into septic tanks

The loans are available for residences and small businesses throughout Oregon.

Since the program launched in September 2016, the loans have helped dozens of families across Oregon repair their septic systems. You can read some of their stories.
To learn more or apply, visit Craft3's Clean Water Loans webpage.
The Clackamas Soil and Water Conservation District offers a Residential Septic System Repair and Replacement Loan Program to homeowners throughout its service area of Clackamas County to protect water quality and address public health concerns. No-interest loans from Clackamas SWCD are financed using funding provided by the Oregon Department of Environmental Quality.
Live in Clackamas County? Learn about more opportunities.


There are 456,000 septic systems in Oregon and some 30 percent of Oregon households rely on septic systems. As many as 10 percent of these systems fail each year, according to various estimates, and not all homeowners or small businesses have the resources to make needed repairs. Fixing a septic system can cost as much as $25,000.