NC Septic Tank Repair/Replacement Loan Program

NC Department of Environmental Quality

Available Home Repair

About This Program

Low-interest loan program for homeowners to repair or replace failing septic systems. Loans up to $30,000 with 2% interest rate and terms up to 20 years. Available to NC homeowners with on-site wastewater systems.

Low-interest loan at 2% for septic system repair or replacement

Data last verified 2026-06-09. How we verify our data.

Key Details

  • Low-interest loan at 2% for septic repair
  • Up to $30,000 available
  • Repayment terms up to 20 years
  • No income requirements
  • For failing on-site wastewater systems

How to Apply

A grant-savvy contractor in Kinston, NC can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Kinston early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Deadline: Rolling applications

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

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