Septic System Loan Program - Craft3

Craft3, a nonprofit lender, offers Clean Water Loans to allow homeowners to borrow the entire cost of eligible design, permitting and installation. Lower interest rates may be available for qualified lower-income borrowers, and there are no up-front loan fees or pre-payment penalties. Please visit Craft3’s website using this link for rates and terms, to check eligibility, and begin your application.

Please contact the Cowlitz County Health & Human Services Environmental Health Unit (EHU) or follow the links below for more information on how this program might be able to help you. The website for Craft3 has informative homeowner testimonials and loan application details.


Department of Ecology: On-site sewage system projects

Department of Health: On-site Sewage Systems (OSS)

YouTube: Clean Water Loan with Craft3

OSS tank installation