At Strictly Septic Service, we know the cost of installing a septic system can be a significant concern. Whether you’re building a new home or replacing an outdated system, the upfront investment often becomes a roadblock. That’s why we now offer flexible financing for septic tank install projects across Texas.
We’ve partnered with Enhancify, a trusted lending platform, to make the entire process more accessible. Instead of waiting or stretching your budget thin, you can move forward with the right septic solution today—and pay over time.
Why Septic System Installation Costs Add Up
Septic installations aren’t one-size-fits-all. Pricing varies depending on the system type, soil conditions, the size of your property, and local regulations. Here’s a breakdown of typical factors affecting the final price:
- System Type: Different systems have different parts and labor requirements.
- Soil Conditions: Rocky, clay-heavy, or wet soils may need more site prep.
- Permits and Engineering: Compliance with local codes requires professional design and documentation.
- Tank Size: Larger households need larger capacity tanks.
- Drainfield Installation: The area and condition of your drainfield impact the cost.
On average, most installs fall between $6,000 and $15,000, but specialty systems or challenging sites can push the total higher.
Our Financing Option: Powered by Enhancify
We offer a simple financing solution through Enhancify, available directly on our Financing Page. It’s designed to give homeowners access to multiple funding sources without the stress of traditional loan shopping.
Key Features:
| Feature | Details |
|---|---|
| Max Loan Amount | Up to $200,000 |
| Application Type | Online – takes 60 seconds |
| Credit Impact | No hard pull required to view options |
| Approval Speed | Most approvals within 1-2 business days |
| Repayment Terms | Multiple terms available (short or long term) |
Common Projects Eligible for Financing
You can finance nearly all services we provide, including:
- Full septic system installations
- Aerobic system replacements
- Drainfield expansions
- Holding tank setups
- Emergency replacements after system failures
This flexibility gives you full control over how you want to handle your property’s wastewater system—without waiting for funding.
Types of Septic Systems We Install
Choosing the right septic system depends on your property’s layout, soil type, and local code requirements. We install several options, all of which are eligible for financing.
Aerobic Septic System
Aerobic systems use oxygen and specialized bacteria to break down waste. These are especially useful for smaller lots, areas with poor drainage, or locations near water sources.
Why homeowners choose this system:
- Cleaner effluent output
- Suitable for tighter spaces
- Compatible with spray or drip dispersal methods
Alternative Septic Systems
These systems are designed for properties that don’t support conventional setups. They include options like:
- Sand mound systems
- Pressure distribution
- Drip irrigation
We’ll evaluate your property and soil conditions to recommend the best system type that qualifies for financing.
Conventional Septic System
Conventional systems remain the go-to choice for many rural and semi-rural properties with ample space and proper soil. It includes a septic tank and a gravity-fed drainfield.
Cost-effective and time-tested, this system is reliable and straightforward to maintain.
Holding Tank Systems
These sealed tanks collect wastewater for periodic pumping and disposal. They’re ideal for cabins, seasonal properties, or areas where no other septic option is feasible.
Our holding tanks come in a range of sizes and are 100% financeable.
Mound Septic Systems
When soil percolation is low, mound systems allow for effective filtration by raising the drainfield above ground level. Installation is more involved, but it’s a dependable solution for difficult sites.
How to Apply for Septic Financing
The process is straightforward and fast. Here’s how to start:
- Go to our Financing Page.
- Enter your basic project details.
- Review loan offers instantly—no hard credit pull required.
- Select the best offer and begin your project.
Funds are usually available within a few days, and we can get started with your install once approved.
Benefits of Financing Your Septic System
Paying upfront isn’t always practical, especially for larger or emergency installations. Financing offers the flexibility to manage payments over time while avoiding disruption to your daily routine or household plans.
What you get:
- No need to delay installation
- Keeps your savings untouched
- Predictable monthly payments
- No early payoff penalties
Many of our clients choose financing to simplify budgeting and avoid unnecessary stress.
Real-World Example: Financing in Action
A homeowner in Liberty Hill contacted us after their aging septic system failed. A soil evaluation revealed they needed an alternative septic system due to high water table conditions.
The total cost came out to $13,200.
Instead of draining their emergency fund, they applied through our online portal and were approved within 24 hours. With a 5-year loan term, their monthly payment was just under $250.
We completed installation within the same week.
What to Expect During the Installation Process
We handle everything from soil testing to permitting to final inspection. Once your financing is approved, we follow these steps:
- Site Evaluation: Soil testing, land assessment, and planning
- Permitting and Design: All local codes followed
- Excavation and System Setup: Installation and tank placement
- Connection to Plumbing: Final hook-up and testing
- Inspection and Sign-Off: Final review by local inspector
Having financing in place keeps the timeline moving and eliminates long delays.
Get a Free Estimate Today
If you’re exploring options for a new septic system or need a replacement, we’ll walk you through the process and help you apply for financing that matches your budget.
Click here to request an estimate or contact us directly to discuss your project.
Helpful Links:
- Learn more about our Septic Systems
- Understand your Aerobic Septic System
- Explore options with Alternative Septic Systems
- Traditional Conventional Septic System
- Holding Tank Systems for remote areas
- Mound Septic Systems for poor soil conditions
