The Craft3 is a personal loan from Craft3. The ongoing APR is Owner-occupied at or below 80% AMI: 3.49% fully amortized (3.987% APR in the example); owner-occupied above 80% AMI or rentals: 6.49% fully amortized (7.036% APR in the example); rates and terms subject to change, current as of 04.01.26. Approval typically requires a credit score of Perfect credit not required or higher. Typical credit limit: $10,000 and up; up to the full cost of your septic repair or replacement; unsecured loans max out at $25,000 plus the O&M reserve and contingency. Loan terms: Unsecured loans up to 7 years; secured loans up to 15 years.