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.

PSCCU understands that septic system repair and maintenance costs can be challenging. This loan program will help Snohomish County homeowners extend the life of their septic systems or replace a failing system.

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 re-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 PSCCU for current rates.
Loan Eligibility
  • Loans are available county-wide.
  • Project must be located in Snohomish County. 
  • Project property must be a residential property owned by the applicant.
The following projects are NOT eligible for a Savvy Septic loan:
  • Installation of a new septic system for new construction or home renovation.
View more information on Program Standards and eligibility information.

Apply for a Loan Now!
To apply for a Savvy Septic loan, contact PSCCU at 425-283-5151, 1-800-273-1550 or visit