Skip-A-Pay Program: Give Your Budget Breathing Room
Life doesn't pause for loan payments—skip up to two monthly payments per year on eligible DFCU loans, use consecutive months if needed, and complete the entire process online in under 5 minutes.
The Program
What Skip‑A‑Pay Does
Sometimes you need extra cash for unexpected expenses, holiday shopping, or just to catch your breath financially*. Skip-A-Pay provides that flexibility without the hassle of refinancing or the damage of missing payments. Whether facing hardship or opportunity, this member benefit helps you manage cash flow on your terms. Here are some of the key features of the program:
Two Times a Year
that you can use this service
No Forms, Signatures, or Mailing
Fast and Secure
Budget Flexibility
Gives you more cash in your budget the months you skip
5 Minutes
or less to enable
Program Requirements
Skip-A-Pay is designed for members in good standing who need temporary payment flexibility. The requirements ensure the program helps those who use it responsibly while protecting the credit union's ability to offer this benefit. Most active members with current loans easily qualify.
- Loans must be current to take part
- You must be one of the owners on the loan
- There is a small fee** associated with skipping payments. So to proceed with skipping your payment, there must be enough in one of your DFCU accounts to cover this fee
- Your DFCU accounts cannot be overdrawn for more than 30 days
- Your DFCU accounts cannot be overdrawn more than $950
- The loan you want to skip a payment on cannot have been delinquent for a period of 60 days within the last 6 months
- Cannot have a CPI (Collateral Protection Insurance) in place on the loan you want to skip
- Loan you want to skip must be open at least 120 days previous
Step-by-Step
Instructions
When Life Demands Flexibility, DFCU Delivers
Whether it's holiday expenses, medical bills, or just a tight month, Skip-A-Pay provides the breathing room you need without the credit damage of missed payments. With our simple online process and reasonable fees, financial flexibility is just a few clicks away. Log in now and give your budget the break it deserves.
Become a Member Today
Church members and immediate family members can join the credit union.
*Skipping a loan payment will extend the term of the loan and increase the total finance charge. Interest will continue to accrue at the agreed rate. **The fees are as follows. $25 for consumer loans. Consumer loans include: Auto, RV, Secured, and Signature Loans, Credit Cards, and Overdraft Line of Credits. $50 for Mortgage loans under $50,000. $100 for Mortgage loans above $50,000.