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Skip Your Auto Payment

A Click Away in Online Banking When You Need It

When you need extra cash for life’s unexpected moments, our auto loan Skip a Payment service can help. Put the extra funds towards what you need now and get back to paying your auto loan next month.

Skipping Your Auto Payment is Quick and Easy

1. Check to see if your auto loan is eligible in Online Banking or the SCCU mobile app. Skip a Payment is in the menu under Accounts.

2. Request to Skip a Payment as early as three months before the payment due date but no later than 10 days past the payment due date.              

3. That's it. You're all done!

Have recurring payments? Don’t forget to turn it off for the month you've skipped! 

Is Skip A Payment right for you?

Deferring a payment will result in higher total finance charges than if payments were made as originally scheduled and will extend the term of your loan.

If you have a GAP claim, the coverage may be reduced by the deferred payment amount, and you may owe a balance. The coverage will not extend beyond the loan's original maturity date.

If you previously elected Credit Life and/or Disability Insurance, those premiums must be paid during the extended term months for benefits to continue.

Skip One Auto Payment Per Year

  • Skip a maximum of five payments during the life of your loan.

Basic Requirements to Skip an Auto Loan Payment

  • Only auto loans in good standing qualify.
  • Any owned SCCU savings and checking account(s) must be in good standing.
  • Must have made at least six auto loan payments.
  • Auto loan remaining balance must be at least $5,000.

 $15 Service Charge

  • Pay using an SCCU account or a debit/credit card.

Here's How

  1. Go to Online Banking or the SCCU Mobile app
  2. Select Menu - Accounts - Skip a Payment
  3. Select Accounts
  4. Select Skip a Payment

Tip: After signing up for Skip a Payment, if you have reoccuring payments set up with another finanical institution, you should contact them to cancel your payment for the month you plan to skip.

All Share/Loan accounts must be in good standing. Finance charges will continue to accrue at the rate provided in your original loan agreement. Deferring a payment will result in higher total finance charges than if payments are made as originally scheduled and will extend the term of your loan resulting in extra payments after your loan would otherwise be paid off. If you previously elected credit life and/or disability insurance, premiums must be paid during the extended term months for benefits to continue. If you have GAP insurance, the coverage will not extend beyond the loan’s original maturity date as disclosed in the Installment Sales Contract/Loan GAP Waiver Addendum Election Form. If you have a GAP claim, the coverage may be reduced by any deferred payment amounts, and you may owe a balance. All requests are subject to approval.Certain restrictions may apply. SCCU reserves the right to discontinue or modify this program/offer at any time.