Savvy Septic Loans

Savvy Septic Loans
Savvy Septic loans are available to assist homeowners with financing a variety of septic system needs, such as septic system repair, replacement, maintenance, drain field clean-up, connection to sewer, and more. The Savvy Septic Loan Program is a partnership between Puget Sound Cooperative Credit Union (PSCCU) and Snohomish County to help County residents access affordable financing options to keep their systems running properly.

Features of Savvy Septic Loans include:
  • Terms up to 15 years
  • Loan amounts* up to $50,000
  • Low Rates* - fixed for the life of the loan
  • No pre-payment penalties
  • Flexible pre-payment options
*All loans are subject to approval. Rates and loan amount are based upon term and credit score. Rates are subject to change without notice. Contact the Credit Union for current rates.
Loan Eligibility
  • Project must be located in Snohomish County
  • Project property must be a residential property owned by the applicant and cannot contain more than four attached housing units.
  • Project contractor must be certified to provide septic system services. Any projects that require system design must be designed by a licensed Washington State Septic System Designer. 
  • Septic system replacement or repair projects must be permitted, as required, by the Snohomish Health District.
The following projects are NOT eligible for a Savvy Septic Loan:
  • Installation of a new septic system for new construction of home renovation
  • Septic tank additives
 Apply For a Loan Today!
To apply for a Savvy Septic loan, contact PSCCU at (425) 283-5151 or visit
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