gain peace of mind

need a break? we've got you covered.

Ever wish you could hit "pause" on your monthly loan payments? With our Skip-a-Pay program, you can. Skip-a-Pay is a great option when your year doesn't go as planned or you need some extra cash during the month.

So this November or December, go ahead and get your holiday shopping done, cook a big family dinner, or just catch up on other bills. The choice is yours.

You must qualify to skip a payment but the application is fast and simple. Then all that’s left to do is use your money where you need it most this holiday season and gain peace of mind.

Covid-19 hardships: If you would like to request a skip payment due to hardships related to Covid-19, please contact us at (888) 982-1400 where we can personally assist you on your unique situation.

Skip-a-Pay qualifications

There is a fee of $40 in order to skip a loan payment.

Make sure you send your request in time to be processed before your payment is due. You must submit your request at least 7 days before your payment date. A skip payment request is approved only for loans that have at least 12 months of payment history and are currently still being paid off.

For an auto loan Skip-a-Pay, you must have full coverage insurance on your vehicle loan.

Last, but not least, only two Skip-a-Pays are allowed within a calendar year per loan. If you have unique circumstances related to Covid-19 that affects this requirement, please contact us at (888) 982-1400 and we can assist you.

how to request a skip payment

To skip a payment on any of our loan products, under any circumstances, call us or visit a local branch.

(888) 982-1400

If you have an installment loan, such as an auto or personal loan, and you are able to pay the skip payment fee through a United Checking or Savings account, use our online form to request a skip payment now.

Skip Your Installment Payment
Understanding Skip Payments

more on Skip-a-Pay

Understanding Skip Payment

Learn how Skip-a-Pay works.

Use a Skip-a-Pay Offer to Your Advantage

See when it makes sense to use Skip-a-Pay.

Gearing Up for the Holiday Season

How to enjoy the holidays while staying within your budget.

United Routing Number: 272484894


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Insured by NCUA. Equal Housing Lender – We do business in accordance with the Fair Housing Act and Equal Credit Opportunity Act. NMLS #471962.

If you are using a screen reader or other auxiliary aid and are having trouble using our website, call us at (888) 982-1400 for some help. All products and services available on this website are available at all United Federal Credit Union full-service locations.