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Wish you had more room in your budget this month? Skip-a-Payment gives eligible United Members with an auto loan or recreational vehicle loan the option to skip their next payment and add it on to the end of the loan instead.

While it doesn’t eliminate the payment, rescheduling it to a time when you have more financial flexibility can help Members responsibly stay out of debt as they take care of extra costs.

Maybe you’re preparing for the holidays, planning a family trip, tackling a home project, or managing a month when several expenses seem to arrive at once. An unexpected change might have put added pressure on your budget. Whatever the reason, United understands that some seasons require more financial flexibility than others. We’re here to help you explore options that may provide a little breathing room, including Skip-a-Payment.

How Skip-a-Payment Works

Apply for Skip-a-Payment at least three days before your auto or RV loan payment is due. Pay a $40 fee to move the payment to the end of the loan, extending the loan by one or more payments.

How to use Skip-a-Payment

What happens next:

Need help deciding if Skip-a-Payment is right for you?

Every member's situation is different. If you're unsure whether Skip-a-Payment is the best option, we’re here to help. Our Team can explain how the program works, review eligibility requirements, and answer questions about your specific loan so you can make an informed decision.

Book an appointment to receive personalized guidance. Our Team is available over the phone or at your local branch.

Frequently Asked Questions About Skip-a-Payment

When should you use Skip-a-Payment?

Skip-a-Payment can be a helpful option when your monthly expenses are higher than usual, and you need additional flexibility in your budget. Members often use Skip-a-Payment during busy seasons of life, such as holidays, vacations, back-to-school shopping, home improvement projects, or other times when extra cash may be needed.

Rather than eliminating a loan payment, Skip-a-Payment allows you to postpone an eligible auto or recreational vehicle loan payment. This can help free up funds for other priorities while giving you additional room in your monthly budget.

What happens when you skip a payment?

When your request is approved, your scheduled loan payment is moved to a later date. This means you won't make your normal payment for that month, but the payment is not forgiven or canceled. Interest will continue to accrue on the loan, and your original loan term will be extended.

Members should consider whether Skip-a-Payment is the right option for their financial situation and understand how postponing a payment may affect the total amount paid over the life of the loan.

Who is eligible for Skip-a-Payment?

To qualify, your loan must have at least 12 months of payment history, and all United loans must be current and in good standing when the request is submitted. Skip-a-Payment is only available for eligible auto loans and recreational vehicle loans. Credit cards, home equity loans, and mortgage loans are not eligible. Requests must be submitted at least three days before your payment due date.

Is Skip-a-Payment right for me?

If you have an eligible auto or recreational vehicle loan, would like more flexibility in your budget, or are preparing for a season with higher-than-usual expenses, Skip-a-Payment may be a good option for you. Every financial situation is unique, so it’s important to understand how postponing a payment may affect your loan before submitting a request.

How much does Skip-a-Payment cost?

There is a $40 fee for each eligible loan payment you choose to skip. The fee is withdrawn from the United account you designate when making your request. 

How often can I use Skip-a-Payment?

Eligible members may typically use Skip-a-Payment once per calendar year, per loan. In some years, United may offer promotional Skip-a-Payment opportunities that allow qualifying members to skip an additional payment.¹

Do I need to stop automatic payments?

Yes. If your loan payment is set up to be paid automatically from another credit union or bank, you'll need to pause or modify the payment for the month you're skipping and restart it afterward to avoid future payment issues.