Free Up Funds for What You Need
With our Skip-a-Pay program, you can temporarily pause your loan payment, giving yourself and your budget a much-needed break.
- Skip up to 2 qualified loan payments each year (6 months between deferrals)
- Once you make at least 6 payments, you can skip a payment
- Request your skip at least 5 days before your payment is due
Submit Your Skip-A-Pay Request Online!
Use Online Banking for an easy, secure way to submit your request.
We've made requesting to skip a payment as simple as possible. Log in to Online Banking to complete a Skip-A-Pay request:
- Log in to UHCU Online or Mobile Banking
- Navigate to the Services tab in the top menu
- Select Skip-A-Pay*
- Complete and submit the form
SKIP-A-PAY: Leased Automobiles, Real Estate, Student, and Business Loans are not eligible. All UHCU accounts must be in good standing. Newly originated loans with less than 6 completed on-time payments are not eligible. For eligible loans, qualifying factors apply including but not limited to a minimum of 6 completed on-time payments since most recent deferral. Skipped payment is added to the end of the loan term which extends the loan term at least one payment. Loan interest continues to accrue which increases the amount of interest paid over the term of the loan. Multiple Skip-A-Pays applied to any loan extends the repayment term of the loan by multiple payments and increases the interest paid over the term of the loan. In the event of a claim, Guaranteed Asset Protection (GAP) may be affected. For a skipped payment, a $30 fee is added to the applicable loan's outstanding principal balance. Skipped payments must be submitted at least 5 days before the requested skip loan due date.
*Only members who are eligible to skip a payment will have access to submit a Skip-A-Pay request via Online Banking. To submit a Skip-A-Pay request via Online Banking, login and navigate to the Services tab on the left side of the screen and select Skip-A-Pay.