04/10/2026
Replacing a failing septic system is not optional, but the cost can catch homeowners off guard. That is why we are a participating authorized contractor in the Michigan Saves Septic Replacement Loan Program (SRLP), created in partnership with the Michigan Department of Environment, Great Lakes, and Energy (EGLE). This program provides low-interest financing specifically for Michigan homeowners who need to replace a failing or near-failing septic system.
The program offers two loan tiers. Tier one provides income-based financing with rates as low as 2% for qualifying households, making replacement affordable even on a tight budget. Tier two offers market-based loan rates that are still competitive compared to traditional home improvement lending. Both tiers cover the full cost of septic system replacement, including engineering, permitting, excavation, tank, distribution, and drain field construction.
As an authorized Michigan Saves contractor, we handle the paperwork on our end so the financing process stays simple for you. You focus on getting a system that works for your property. We coordinate with the program so you get the lowest rate you qualify for without chasing down separate lenders or juggling multiple applications. If your system is failing and the replacement cost feels overwhelming, call us and ask about Michigan Saves financing before you assume you cannot afford it.