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Low-Interest Septic Replacement Loans for Michigan Homeowners

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Replace your failing septic system or connect to municipal sewer with help from the SRLP.

What is the Septic Replacement Loan Program?

The Septic Replacement Loan Program (SRLP), managed by Michigan Saves and supported by EGLE, offers affordable financing options for Michigan residents to replace failing or near-failing septic systems or connect to municipal sewers.

  • Finance up to $50,000
  • No collateral required
  • Two flexible loan tiers
  • Backed by Michigan Saves & EGLE
Check Loan Eligibility

Financing Made Simple

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Monthly payment options for the services you care about—without surprises or hidden fees.

Why Wisetack?

Wisetack is a consumer financing platform that allows customers to pay for services over time with simple, transparent monthly payment plans. Designed to make big purchases more manageable, Wisetack offers fast approvals, no hidden fees, and flexible terms—with no impact on your credit score just to check your options.

Fast and Easy
  • Quick application
  • See options within seconds
No Hidden Fees
  • No late fees, prepayment penalties, or origination charges
Multiple options for you
  • Pick a monthly payment plan that fits your budget
See Your Payment Options
Logo of Michigan Saves featuring a stylized "M" in purple, orange, and gray, with the tagline "The Nation's First Nonprofit Green Bank.

Program Eligibility

Who’s Eligible?
  • Michigan homeowners (owner-occupied or rental)
  • Failing, near-failing, or nonexistent septic systems
  • Documented need by your local health department
  • Projects must meet SRLP design standards

Loan Options: 

Tier One: Income-Qualified Loans
  • $1,000–$30,000
  • Interest: ≤ 1%
  • Up to 10-year terms
  • No lien or collateral required
  • Based on income + financial history
Tier Two: Market-Based Loans
  • $1,000–$50,000
  • Competitive rates (based on credit)
  • No lien or collateral required
  • Available to all applicants
  • Based on income + financial history
Check Loan Eligibility
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Easy for You

Why wisetack? 
  • Financing from $500–$25,000
  • Application sent by service provider
  • See your options instantly
  • Soft credit check only

Clear Terms, No Tricks

Flexible terms and low apr
  • 0% APR for qualified consumers
  • Terms from 3 to 60 months
  • APR ranges from 0% to 35.9%
  • No penalties or compounding interest
Get Prequalified Today

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