La Pine, Oregon · CCB #260092Pay for it over time, not all at once
SurfaceTek offers payment plan options through Hearth — for septic work, excavation, driveways, land clearing, or any other project. See your personalized monthly payment options within minutes, without affecting your credit score.
- Loan amounts up to $250,000
- Doesn't affect your credit score
- Funding within 1–3 days
- No prepayment penalties
- No home equity required
How it works
Hearth is a financing platform SurfaceTek works with — not a loan from SurfaceTek itself. Fill out a short form below and see personalized monthly payment options within minutes. That first look does not affect your credit score.
If you move forward and get approved, funding typically reaches the project within 1–3 days, so a payment plan does not have to slow down scheduling. There are no prepayment penalties and no home equity required.
The actual rate, term, and approval decision come from Hearth's lender network, not from SurfaceTek. We do not see or control your financial information, and we cannot guarantee approval or a specific rate.
What it covers
This is not a septic-specific program — it applies to any SurfaceTek project: septic installation or repair, excavation, driveways, grading and drainage, demolition, land clearing, snow removal contracts, or forestry work.
Loan amounts run up to $250,000, with an affordable monthly payment matched to what you qualify for. No prepayment penalties, and no home equity required. Approval and terms are set by the lender you're matched with, not by SurfaceTek, and are not guaranteed.
Doing a septic project specifically?
If cost is what's holding up a septic repair or replacement, it's worth also looking at Craft3, a nonprofit lender that has partnered with Oregon on low-interest loans specifically for septic work — and at Deschutes County's own assistance program for the affected south county area. Neither is tied to SurfaceTek, and both have their own eligibility rules.
See the septic page for details on both, alongside the Hearth option above.
Check your payment options
Find your monthly payment options
See your personalized monthly payment options within minutes and without affecting your credit score.
Prefer to talk it through first? Request an estimate or call (541) 208-9313.
Common questions
Is SurfaceTek the lender?
No. SurfaceTek works with Hearth, a financing platform that connects applicants to a network of third-party lenders. The rate, term, and approval decision come from whichever lender takes the application, not from SurfaceTek.
Will checking my rate affect my credit score?
The initial check uses a soft credit pull, which does not affect your credit score. A hard credit check only happens later in the process, if you move forward with a specific lender's offer.
What if my credit isn't great?
Checking your options is a soft pull and does not affect your credit score, so there's no downside to seeing what's available before you decide. Final approval and terms depend on the lender you're matched with, and are not guaranteed.
Is this only for septic work?
No — it applies to any SurfaceTek project: septic, excavation, driveways, grading and drainage, demolition, land clearing, snow removal, or forestry work.
I'm specifically dealing with a failing septic system — is there something besides this?
Yes. Craft3, a nonprofit lender, has partnered with Oregon on low-interest loans specifically for septic repair and replacement, and Deschutes County has its own assistance program for the affected south county area. See the septic page for details on both.
Tell us about the project.
Estimates are free, and we would rather look at it in person than guess.