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Skip-A-Pay

Take A Break From Your AFFCU Loan Payment

Need Some Extra Cash And Flexibility In Your Budget?

Life has its curveballs and sometime you need some wiggle room in your budget. When that time comes, take advantage of AFFCU’s Skip-A-Pay service. You can skip a payment on any qualifying AFFCU loan.*

Service fees apply and funds for this fee must be available in your account or submitted with this request. Skipping a payment will extend the repayment period/term of the loan and finance charges will continue to accrue on the unpaid principal balance during the skip period.

A skip-a-pay service fee applies: (In response to the COVID-19 outbreak, we are temporarily suspending these fees as part of our member assistance initiatives. No fees will be charged at this time. New Skip-A-Pay requests will be processed for FREE)

  • $30 fee per loan per monthly payment skipped
  • $15 fee per loan per bi-weekly payment skipped
  • $10 fee per loan per weekly payment skipped

Frequently Asked Questions

A payment may be skipped after six (6) months of payments have been made.

Member can skip a maximum of one (1) month worth of payments at a time (2 payments for bi‐weekly cycles, 4 payments for weekly cycles).

Maximum number of skipped payments per rolling 12‐month period is two (2) monthly payments (4 payments for bi‐weekly cycles, 8 payments for weekly cycles). The maximum number of skipped payments over the life of the loan may not exceed 4 months of payments (8 payments for biweekly cycles, 16 payments for weekly cycles).

Not eligible on: first or second mortgages, certificate secured loans, Visa credit cards, Summer Breeze or Holiday Helper loans.

Disclosures

*A $30 fee is charged per skipped loan payment. Skipped payment is added to the end of the loan, extending the loan term, payments and interest accruals. Certain Restrictions Apply: Not eligible on: first or second mortgages, certificate secured, Visa cards, Summer Breeze or Holiday Helper loans.Payment can be skipped after six (6) monthly payments have been made. All vehicle loans that have GAP protection are limited to one (1) skip‐a‐payment per year up to a maximum of four (4) over the life of the loan.Member can skip a maximum of one (1) month worth of payments at a time (2 payments for bi‐weekly cycles, 4 payments for weekly cycles). Maximum number of skipped payments per rolling 12‐month period is two (2) monthly payments (4 payments for bi‐weekly cycles, 8 payments for weekly cycles). The maximum number of skipped payments over the life of the loan may not exceed 4 months of payments (8 payments for biweekly cycles, 16 payments for weekly cycles).