Skip-a-Pay This Holiday Season

The holidays can stretch your budget thin — gifts, gatherings, travel, you name it. 1st University Credit Union’s Skip-A-Pay program lets you take a break from up to three monthly loan payments per year so you can enjoy the season with a little extra cash in your pocket.

It’s one more way we help you do life (and the holidays) with less stress and more joy. Without hurting your credit.

How It Works

  • Skip up to three payments per calendar year (January–December).

  • Payments you skip are simply added to the end of your loan term.

  • Interest will continue to accrue during the skipped month(s).

It’s easy, fast, and gives your wallet a breather when you need it most.

Who’s Eligible

If your loan is in good standing and you’ve made at least one full payment, you’re likely eligible to skip! (Real estate loans, private student loans, and credit cards don’t qualify.)

Skip-A-Pay Fee

You can roll your fee into your loan or pay it up front — whatever works best for you.

1 month: $45 per loan

2 months: $80 per loan

3 months: $120 per loan

If you have more than one loan, each loan will have its own fee.

Automatic Payments? We’ve Got You Covered.

If you make payments through ACH or automatic transfer, just note it on your request form so we can pause it during your skip period.

Before You Skip

Skipping a payment extends your loan term and may increase total finance charges. GAP coverage on auto loans could be affected. All requests are subject to approval. Complete Terms and Conditions can be found below the Request Form

Give Yourself the Gift of a Little Breathing Room

Click below to submit your Skip-A-Pay request and enjoy more of what really matters this season: family, friends, and a little peace of mind.

Skip-A-Pay Request Form

Pro Tip: Fill out all fields. If something doesn’t apply, choose N/A.

Terms and Conditions

By participating in the Skip-A-Payment program, you are requesting 1st UCU to defer your loan payment(s).

  • All new loans must have one full payment made before the loan is eligible for a skipped payment.

  • Loan(s) payments must be current, delinquent loans are not eligible for this program.

  • Finance charges will continue to accrue interest at the rate of your original loan agreement.

  • Deferring your payment will extend the term(s) of your loan(s) and increase the finance charge.

  • You are required to resume your monthly payments following the skipped month(s).

  • If you have authorized 1st UCU to initiate withdrawals from another financial institution, you must notify 1st UCU at the time of your Skip-A-Payment request, by doing so, 1st UCU will suspend the automatic (ACH) transfer for the skip a payment period requested.

  • All Skip A Payment requests are subject to 1st UCU approval. Loan must be current and in good standing.

  • The processing fee is $45 per loan skipped for one month, $80 per loan skipped for the two-month option, and $120 per loan skipped for the three-month option.

  • Exclusions: Real Estate loans, Private Student loans, Credit Cards, and loans with original terms over 120