Septic systems play a crucial role in both rural and suburban living. But aging systems, costly replacements, and local code compliance present significant challenges for homeowners who need to install or upgrade their systems. Consumer financing provides practical solutions to manage these necessary, though significant, expenses.
United Consumer Financial Services, a national leader in financing septic system installation and upgrades, provides financing solutions that help businesses increase affordability and reach more customers with essential septic system services. Read on to learn more.
Mitigating the High Cost of Septic System Needs with Consumer Financing
Septic systems are an essential component of homeownership for many communities. Unfortunately, they’re also costly. Depending on soil conditions and the size and state of the property, septic installations alone can run thousands of dollars. And when a system needs cleaning, replacing, or upgrading –– often unexpectedly –– it can’t wait.
The out-of-pocket costs of septic system installation, maintenance, replacements, and upgrades are difficult for many families to manage. Budget constraints shouldn’t delay access to essential systems. And when your business provides consumer financing, they don’t have to.
By offering payment plans through United Consumer Financial Services, a trusted partner in septic system consumer financing, your business can reach more customers, empower immediate purchases, and increase sales and revenue.
How Consumer Financing Helps Homeowners Manage Septic Costs
Septic costs are part of home ownership for most rural and many suburban individuals. Managing these costs can feel overwhelming, especially for homeowners on a strict budget or those who can’t or don’t want to incur credit card debt. When cash payment isn’t an option, and neither is charging the services to a high-interest credit card, homeowners need accessible, affordable, fast options to finance their septic system costs.
Consumer financing from UCFS is the solution, providing:
- Inclusive approval rates that broaden the net of eligible consumers
- Low monthly payments that don’t disrupt planned budgets
- A fast, online application with the prompt return of a credit decision
- Effortless autopayment options that ensure homeowners never miss a payment
Below are the specific ways consumer financing helps homeowners manage septic costs:
- Funding septic tank replacements: Timing is critical when a septic tank needs replacement. Immediate access to financing is critical in these situations to ensure homeowners don’t delay replacement, avoiding potential health hazards and property damage.
- Covering leach-field retrofits: In some cases, a septic tank doesn’t need a total replacement. A leach-field retrofit allows homeowners to repair or upgrade a failing system’s drain field instead of replacing the entire system (and incurring the associated costs). Financing spreads the cost of a retrofit over time, making this critical work more immediately accessible and affordable.
- Financing code-compliant systems: Local and state codes require environmentally safe systems. The standards set decades ago are likely outdated in many areas of the country. Updating or replacing older septic systems is a considerable investment, especially for homebuyers who learn of upgrade requirements at inspection. Financing allows homeowners to maintain code compliance without overwhelming, unexpected upfront costs.
- Easing rural sanitation burdens and challenges: Many communities don’t have access to city sewer systems, making septic systems the only option. Consumer financing is crucial for rural and suburban families who are responsible for ensuring up-to-date, functioning, and safe sanitation systems.
- Mitigating homeowner outlay: Consumer financing options are an accessible, straightforward path to mitigating homeowner outlay. Instead of one large payment for installation or repair, financing breaks down the outlay costs into manageable payments, allowing for immediate service or installation. Septic system installs and upgrades require several costly steps:
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- New system prices: A new tank or system costs at least a few thousand dollars, with more complex systems increasing in price.
- Site prep: Soil and site prep can include soil or percolation tests, land clearing, and excavation.
- Regulatory requirements: Local governments require building permits for new installations and for some upgrades.
- Labor costs: Once these elements are in place, homeowners must then factor in labor and installation costs.
- Facilitating ongoing maintenance: Even newer septic systems that are up to code require regular cleaning and maintenance. Financing makes services like septic pumping and cleaning more immediately affordable, helping extend system life and reduce costs associated with neglected maintenance.
- Allowing flexibility for emergency needs: Septic issues are often urgent and must be addressed right away. Quick access to financing empowers homeowners to schedule service, replacement, or repair as soon as possible.
Why Financing is a Win-Win Solution for Septic System Businesses and Homeowners
Consumer financing increases sales, affordability, and accessibility for septic system installation and upgrades, along with the maintenance and services required to keep these systems functioning and safe. Financing solutions are a win-win for both homeowners and septic system retailers and contractors.
- Homeowners benefit from affordability and peace of mind. The low monthly payments and consistent rates UCFS provides help consumers see that they can easily afford septic services that keep their homes and properties safe.
- Contractors benefit from faster approvals and expedited sales. Because UCFS offers mobile-first financing, consumer application and approval are done online. Application takes just minutes, and a credit decision is promptly returned, allowing contractors to quickly close sales so they can begin –– and complete –– projects more quickly. UCFS handles applications, credit checks, and payment collection, while businesses reap the benefits of end-to-end loan management and increased cash flow that helps them grow.
Conclusion
A functioning septic system is non-negotiable; partnering with UCFS makes essential installations, upgrades, and maintenance attainable for homeowners. Becoming a merchant with us is easy, and because we’re backed by more than 45 years of financing expertise and the resources and track record of Marmon, a division of Berkshire Hathaway, you can trust our team to deliver consumer financing solutions that work –– for your business and your customers.
Contact UCFS to learn more about how consumer financing facilitates essential septic system installation and upgrades, and how partnering with us can help you increase sales and expand your business starting today.
