Need a break? We've got you covered.
Introduction
Ever wish you could hit "pause" on your monthly loan payments? With our Skip-a-Payment program, you can.
Members can apply to skip (4) weekly, (2) bi-weekly, or (1) monthly loan payment* every 6 months.
Applying to skip payments is easy!
Just stop by your local office to fill out a form. Or, conveniently complete the application from your web browser or mobile device. Log into digital banking to get started, then select "Skip-A-Payment" from the "Services" tab. Questions? Give us a call at 800.242.2120.
Ready to tackle your debt? We're in your corner.
If skipping a monthly payment sounds nice, but you're looking for a broader solution to financial challenges, we can help with that, too. Connect with a debt expert who can help you crunch numbers and weigh your options – for free!
Financial Counseling
Our team of nationally accredited financial counselors offers free, one-on-one, confidential counseling. Request a session to:
- Review your budget
- Discuss credit history
- Explore debt management
- Consider options for consolidation
We'll help you find a path forward that can build your confidence and support your financial goals. Get started or check out additional online resources:
Additional Information
*For best results, please verify eligibility with a Visions Federal Credit Union representative prior to submitting your Skip-a-Pay form. Limit of two Skip-a-Payments in a 12-month period. The first loan payment may not be skipped. Credit card payments may be skipped as long as at least 3% of the limit is available. First and second mortgages, home improvement loans, share certificate secured loans, student loans, any purpose signature loans, community solar, auto leases, and residential RV loans are not eligible. The Skip-a-Pay program is offered to eligible members with no penalties or late fees and with no adverse effect on your credit. If you are requesting a Skip-a-Payment on a loan that has GAP coverage, you understand that you may jeopardize any future GAP claim in the event of a total loss on the covered vehicle. Please refer to your GAP contract for further details or speak with a loan representative for further information. Interest will continue to accrue and when you make your next payment, more of the payment will be applied to your interest.
ALL Borrowers/Guarantors who signed original agreement must sign the skip application form.
Limit of two Skip-a-Payments in a 12-month period.
