01
Apply
Tap the button below. It takes about 60 seconds and won't ding your credit.
Financing Available
Don't Let a Five-Figure Repair Wreck Your Week
Septic installs and major repairs can run anywhere from $8,000 to $50,000 or more. That's not money most homeowners around here have sitting in checking. We partnered with HFS Financial so you can get the work done now and pay over time. No home equity required, no impact on your credit just to ask.
Loans up to $450,000
Fixed rates from 7.8% APR
Terms 1 to 30 years
Funded in 48 hours
Why Finance
Septic Work Isn't Optional
When a tank fails or a drain field gives out, it's not the kind of problem you can put off until next quarter. Sewage doesn't wait for a tax refund. Financing lets you fix it right the first time instead of patching something you'll be redoing in eighteen months. You make the call on terms, we handle the work, HFS handles the loan.
How It Works
Apply in Minutes. Funded in 48 Hours.
HFS Financial runs the application. We handle the septic work as soon as you're approved.
02
Prequalify
HFS shows you your options the same day. Look at terms or talk to a loan specialist.
03
Verify
Upload your documents through HFS's secure portal. Most folks finish this same day.
04
Get Funded
Funds land in your account within 48 hours of approval. We start work right after.
What HFS Covers
Just About Any Septic Work We Do
If we'd put it on an invoice, HFS can finance it.
- New septic system installations
- Full system replacements
- Drain field and leach line repairs
- Tank replacements
- Emergency repairs and after-hours callouts
- Major diagnostic and camera inspection work
The Numbers
What the Loan Looks Like
Loan Amounts
$1,000 to $450,000
120% financing available on qualifying projects
Rates
From 7.8% APR
Fixed rates, no prepayment penalty
Terms
1 to 30 years
Pick what fits your budget
Equity Required
None
Personal loan, your house isn't collateral
Appraisal
Not Required
No inspectors walking your property
Funding Speed
48 Hours
After approval, money is in your account
Example payment: $60,000 borrowed at 7.8% fixed APR over 20 years works out to about $494 a month. Your actual rate and terms depend on your credit and the lender HFS matches you with.
Why HFS
HFS Has Funded This Kind of Work a Hundred Thousand Times
100,000+
Homeowners funded
20,000+
Contractors on the platform
3,500+
Five-star reviews
Common Questions
Before You Apply
Will applying hurt my credit?
No. Getting a rate quote through HFS doesn't run a hard credit check. Your score stays put until you decide to move forward with a lender.
Do I need home equity to qualify?
Nope. These are personal loans, not home equity loans. Your house isn't collateral and you won't need an appraisal.
How fast can I get the money?
Most homeowners are funded within 48 hours of approval. We can usually start the septic work the day after that.
What can I use the loan for?
Anything we'd put on a septic invoice. New installs, full replacements, drain field repairs, after-hours callouts, even diagnostic work.
Who actually lends the money?
HFS Financial isn't a lender themselves. They match you with one of their lender partners based on your credit and project. You sign with the lender, not HFS.
What if I want to pay it off early?
None of the HFS programs charge prepayment penalties. Pay it off whenever you're ready.
Ready to Get Started?
Apply on the HFS portal in about a minute. We'll handle the septic work once you're approved. If you'd rather talk it through first, give us a call.