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Clean Water Loans

Craft3 offers an affordable loan to cover the costs of designing, permitting, installing, and maintaining your septic system. You may also use the Clean Water Loan to connect to municipal sewer systems in selected areas. Watch our Clean Water Loan video to learn more. 

Loan Features & Benefits

  • Competitive rates 
  • Flexible qualification criteria
  • Terms up to 15 years
  • Fully amortizing and deferred payment options available, depending on income
  • Up to $1,750 available for future repairs and maintenance  

See Rates & Terms

See How it Works

Loan Eligibility

Eligible property details: 

  • Residential properties (need not be owner occupied)
  • Commercial properties 
  • You must own the property. If not, please contact us to discuss your project - we will need the property owner to apply with you before the process is complete.
  • The building must be a permanent structure connected to your existing septic system (not a fifth wheel, trailer, or RV).
Eligible geographic areas: 
  • Jefferson, Mason, Kitsap, Clallam and Pierce Counties 
  • Pacific Counties: select areas (please contact us for details)
  • Vashon-Maury Island in King County: expanded drainage areas impacting Quartermaster Harbor. See a map of new eligible areas.  
Septic system criteria:
  • One of the following must apply:
    • The septic system must be at least 25 years old
    • The system is failing and you have evidence to support it
    • You have been contacted by Health Officials
    • You are under orders to fix the septic system

How to Apply

  • Residential Property Owners - Complete a secure loan application online,  or request a copy by mail.  
  • Commercial Property Owners - Rates and terms are determined on an individual basis for commercial properties. To find out what rate your commercial property is eligible for, please contact us at Info@Craft3.org

Contact us

We are available to discuss your needs and answer any questions. We hold your information in strict confidence. CleanWater@Craft3.org or (888)231-2170. 

Contractor Resources

To make working with Craft3 easier, we have created a Contractor Resources page for septic professionals which includes how the Clean Water Loan works, marketing resources and associated forms. 

Clean Water Loan Impacts

Clean Water Loans help property owners invest in septic system upgrades that enable them to remain in their homes. Properly treated waste water reduces sources of disease and contamination in local waterways. By enabling borrowers to hire local septic professionals, the Clean Water Loan supports small businesses and creates jobs. 

As of June 30, 2014, Craft3: 

  • Helped 448 property owners repair their failing septic systems;
  • Made over $10 million in Clean Water Loans;
  • Treated 54 million gallons of waste water; and
  • Contributed to the improvement of local shellfish harvest areas.

In 2009, a Performance Assessment was conducted by an independent third-party research company. Check it out to learn about the outcomes of the Clean Water Loan and what our customers, designers, installers and pumpers say about us.


Support for this program has been provided by (listed in alphabetical order)

  • Clallam County
  • Hood Canal Coordinating Council 
  • Wells Fargo and National Fish & Wildlife Foundation 
  • Jefferson County 
  • Kitsap County 
  • Kitsap Health District 
  • Mason County
  • Pacific Coast Shellfish Growers Association 
  • Port Gamble S'Klallam Tribe
  • Public Health Seattle King County
  • Puget Sound Partnership 
  • Skokomish Tribe
  • Tacoma Pierce County Health Department
  • The Russell Family Foundation
  • Washington Onsite Sewage Association and participating On Site Sewage Professionals 
  • Washington State Department of Ecology
  • Washington State Department of Health 
  • Washington State Legislature 
  • Bill & Melinda Gates Foundation  
  • The Boeing Company Charitable Trust
  • Titcomb Foundation



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