Skip-A-Payment Spend more on what matters most

More Room for What Matters

This time of year has a way of filling up fast: your calendar, your shopping list, and sometimes your budget. Skip-A-Payment gives you a little extra breathing room when you need it most. You can apply to skip one monthly payment on a qualifying loan, freeing up a little more cash for whatever you may need.

How you use it is up to you. Check a few more gifts off a wishlist, book that trip home to see family, or cover the expenses from an unexpected hardship. That’s more time with the people you love, and less time worrying about your payments.

More Room for What Matters

This time of year has a way of filling up fast: your calendar, your shopping list, and sometimes your budget. Skip-A-Payment gives you a little extra breathing room when you need it most. You can apply to skip one monthly payment on a qualifying loan, freeing up a little more cash for whatever you may need.

How you use it is up to you. Check a few more gifts off a wishlist, book that trip home to see family, or cover the expenses from an unexpected hardship. That’s more time with the people you love, and less time worrying about your payments.

Give Back While You Save

When you skip a payment, there's a small $25 fee, and most of it goes straight to helping kids and families in your community. $15 of every fee goes toward an annual donation to hospitals in the Children's Miracle Network and other community charities.

This year we donated to St. Luke's Children's Hospital in Boise, Idaho, and Intermountain Primary Children's Hospital in Lehi, Utah. Thanks to members like you, more children and families can receive quality care and healing while in the hospital.

Get Started

Give Back While You Save

When you skip a payment, there's a small $25 fee, and most of it goes straight to helping kids and families in your community. $15 of every fee goes toward an annual donation to hospitals in the Children's Miracle Network and other community charities.

This year we donated to St. Luke's Children's Hospital in Boise, Idaho, and Intermountain Primary Children's Hospital in Lehi, Utah. Thanks to members like you, more children and families can receive quality care and healing while in the hospital.

Get Started

Here's How to Qualify

Skip-A-Payment is available for vehicle, business auto, and personal loans. To be eligible, your loan will need to meet a few simple requirements:

You've made at least 11 on-time payments on the loan
Proof of insurance is updated and valid
You haven't skipped a payment in the last 12 months
The payment you'd like to skip is current or upcoming
You're less than 30 days behind on your loan payments

During the holiday season, Skip-A-Payment is open to everyone with a qualifying loan. But if you're facing hardship at any other time of year, we're still here for you. Just reach out to our team about skipping a payment for hardship, and we can walk you through the whole process.

Apply for Skip-A-Payment

Talk to a Team Member

Here's How to Qualify

Skip-A-Payment is available for vehicle, business auto, and personal loans. To be eligible, your loan will need to meet a few simple requirements:

You've made at least 11 on-time payments on the loan
Proof of insurance is updated and valid
You haven't skipped a payment in the last 12 months
The payment you'd like to skip is current or upcoming
You're less than 30 days behind on your loan payments

During the holiday season, Skip-A-Payment is open to everyone with a qualifying loan. But if you're facing hardship at any other time of year, we're still here for you. Just reach out to our team about skipping a payment for hardship, and we can walk you through the whole process.

Apply for Skip-A-Payment

Talk to a Team Member

Still Have Questions?

Will interest still build when I skip a payment?

Interest is accrued daily on loans, so when you skip for one month, you’ll have interest for that month and the next on the following payment.

How is the $25 charge paid?

The charge will be added to your loan balance, so you don’t need to pay it right away.

How will I know if my request is approved?

You will be notified via email when your request is approved or declined. If your request is declined, our team can let you know why and you may have the opportunity to apply again.

Terms and conditions apply: Must have current and updated insurance on the loan. Cannot have skipped a payment in the last 12 months. Can only be applied to a current or future payment. Loan must be under 30 days delinquent. Must make a minimum of 11 on time payments prior to application. Offer not eligible for credit cards, overdraft loans, mortgages, land, construction, and all business loans (excluding business auto). A $25 fee is applied for each skipped payment, with $15 going directly to Intermountain Primary Children’s Hospital, St. Luke’s Children’s Hospital, The Idaho Falls Area Humanitarian Center, and other local charities.