Take a Month Off – Stay on track.
Skip-A-Pay is BACK
Life doesn’t always stick to a schedule, and your finances shouldn’t have to either. Skip-A-Pay is back to give you a little extra breathing room when you need it most. Whether your prepping for seasonal expenses, catching up after a busy month, or just looking for a bit more flexibility, this program allows eligible members to skip a loan payment and stay on track.
What Is Skip-A-Pay?
Skip-A-Pay is a flexible option that allows eligible members to take a break from a loan payment when they need it most. Instead of making your usual monthly payment, you can skip that payment and move it to the end of your loan, giving you a little extra room in your budget right now. It’s designed to help during times when expenses add up or cash flow feels tight, without putting your financial progress on hold.
Skip-A-Pay is currently running from now until July 31, 2026.
Skip-A-Pay is currently running from now until July 31, 2026.
Why Take Advantage of Skip-A-Pay?
Create Breathing Room in Your Budget
Free up funds for a month when things feel tight. Whether it’s planned or unexpected, Skip-A-Pay can give your budget a little extra space.
Handle Unexpected Expenses
Car repairs, medical bills, or home fixes rarely ever come at a convenient time. Skipping a payment can help you focus on what needs attention now.
Stay on Track Financially
Instead of falling behind or juggling payments, Skip-A-Pay lets you take a short pause while keeping your loan in good standing.
Reduce Financial Stress
Money worries can add up quickly. Having the option to skip a payment can bring peace of mind when you need it most.
Manage Seasonal or Life Expenses
From summer vacations to holidays, some times of year naturally bring more expenses. Skip-A-Pay can help you plan around those moments.
Lean on a Credit Union That Understands
At The Credit Union for All, we know life isn’t one-size-fits-all. This program is just one way we support you with flexibility, understanding, and a people-first approach.
How to Apply for
Skip-A-Pay
Applying for Skip-A-Pay is easy. Here’s the different ways you can apply:
Apply Online
Click the appropriate link below to complete the Skip-A-Pay form online in just a few minutes.
1
Apply on Your Phone
Visit this webpage on your phone and select the appropriate form below to quickly fill out the form via your mobile device.
2
Visit Us In Person
Stop by our office and we’ll be happy to help you complete a paper application.
3
To fill out the Skip-A-Pay form online, please select from the following options:
Important Information
Eligibility Criteria:
– Account(s) must be in good standing at the time of Skip-A-Pay request.
– Eligible loans require six monthly payments from loan origination.
– Maximum number of approved Skip-A-Pays per loan is six Skip-A-Pays. (Two additional Skip-A-Pay opportunities offered in 2020 as part of our COVID-19 Hardship Relief Effort for a total of eight Skip-A-Pay transactions, if eligible).
– Mortgage loans and credit cards are not eligible for Skip-A-Pay.
– A loan is ineligible if Savings/Checking account(s) are below minimum balance requirements or negative (with exceptions of Overdraft Privilege Accounts).
– A loan is ineligible if the loan is currently 30 days past due and any loan(s) have been 30 days past due in the last six months.
– Eligible loans require six monthly payments from loan origination.
– Maximum number of approved Skip-A-Pays per loan is six Skip-A-Pays. (Two additional Skip-A-Pay opportunities offered in 2020 as part of our COVID-19 Hardship Relief Effort for a total of eight Skip-A-Pay transactions, if eligible).
– Mortgage loans and credit cards are not eligible for Skip-A-Pay.
– A loan is ineligible if Savings/Checking account(s) are below minimum balance requirements or negative (with exceptions of Overdraft Privilege Accounts).
– A loan is ineligible if the loan is currently 30 days past due and any loan(s) have been 30 days past due in the last six months.
Process, Policies, and Deadlines:
– Monthly payments already posted to loan(s) will not be reversed.
– Phone approvals will not be made.
– Skip-A-Pay applications are processed in the order they are received, ensuring fairness to all members regardless of payment due date.
– When approved for the Skip-A-Pay, interest will continue to accrue, and the maturity date of the loan extended.
– Fee is $30 for loans with payments under $250 and $40 for loans with payments of $250 or more.
– In the event of denial, any applicable fees ($30 or $40, depending on the payment amount) will be returned, or, if on deposit at The Credit Union for All, left in your account.
– Final day to apply for the Summer 2026 Skip-A-Pay is 7/31/2026. Applications received after 7/31/2026 will not be considered.
– If the loan has multiple borrowers, all borrowers are required to sign.
– Phone approvals will not be made.
– Skip-A-Pay applications are processed in the order they are received, ensuring fairness to all members regardless of payment due date.
– When approved for the Skip-A-Pay, interest will continue to accrue, and the maturity date of the loan extended.
– Fee is $30 for loans with payments under $250 and $40 for loans with payments of $250 or more.
– In the event of denial, any applicable fees ($30 or $40, depending on the payment amount) will be returned, or, if on deposit at The Credit Union for All, left in your account.
– Final day to apply for the Summer 2026 Skip-A-Pay is 7/31/2026. Applications received after 7/31/2026 will not be considered.
– If the loan has multiple borrowers, all borrowers are required to sign.