Cullen Lakes Association

Low Interest Loans for Septic Systems


Low-interest, 3 percent loans are available to landowners in Cass, Crow Wing and Wadena counties to repair their existing failing or non-conforming septic systems.


The primary goal of the program is to improve the environment by replacing non-compliant systems. This cooperative program is supported by the Region Five Development Commission, Minnesota Department of Agriculture and Cass, Crow Wing and Wadena counties.


There are no income limits on these loans and repayment can take up to five years. There is an $8,000 maximum loan amount and applicants must be able to show repayment ability. Loan applications are reviewed monthly.


Individual septic system projects must meet one of the following requirements:

  1. Relocation of a septic system out of an environmentally sensitive area.

  2. Repair or replacement of an existing septic system that does not conform with the provisions of the Minnesota Rules Chapter 7080.

  3. Replacement of a septic system that is failing or non-conforming.


For more information or an application packet contact: Cass County Environmental Services, Dawn Burg, (218) 547-7291; Crow Wing County Planning and Zoning, 824-1125; Wadena County Soil and Water, Malinda Dexter, (218) 631-3195; Region Five, Anne Hanson, (218) 894-3233 ext. 25; or go online to