Skip-A-Pay - Skip Your Credit Card, Personal Loan, or Vehicle Payment - DuPage Credit Union

Skip-A-Pay

Get relief from vehicle, personal loan, and credit card payments.

Log in to skip your payment. $40 processing fee per skip/deferral. Don't have Digital Banking? Give us a call at 1-800-323-2611.

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Skip-A-Pay Requirements

We understand that unexpected expenses can add up. That's why we invite you to skip a payment on your DuPage Credit Union Visa® credit card, vehicle loan, and/or your personal loan1skip to disclosure up to two times each per calendar year!

  • Loan must be opened for 180 days and have 6 payments made in order to be eligible
  • Request must be submitted 5 days before due date
  • Maximum 2 skips per loan per calendar year and 6 times throughout the life of the loan
  • You cannot skip 2 consecutive payments on the same loan
  • Personal Lines of Credit are not eligible
  • The $40 processing fee per skip must be on deposit at time of request

Get help with Skip-A-Pay.

With a deferral, your vehicle contract will be extended by the number of months your payment was deferred. After the deferral period ends, you will resume making your regularly-scheduled payments. For credit cards, your due date will be extended and interest will accrue.

If you’re financing your vehicle or personal loan, finance charges will continue to accrue on the unpaid balance at the contract rate, and by deferring one or more payments, you’ll pay more finance charges. The deferral won’t extend the duration of GAP, maintenance, life, or disability insurance that may be included in your contract.

You can make as many payments as you’d like during your Skip-A-Pay period.

Your online account will also reflect your next due date and amount due.

We’ll send you a confirmation email after your request has been processed.

No, your loan must be in good standing with the Credit Union. Contact us for options.

Deferring your payment shouldn’t have a negative impact to your credit score, but it’s important to note that for most consumers, payment history is only one of many items that impacts your score.

Yes, your due date will advance by one month due to your deferred payment.

No, we won’t charge additional late fees during your deferral period.

When you make your first regularly-scheduled payment after the deferral period, it will first be applied to satisfy any accrued finance charges and then to the outstanding balance. How long it will take to pay the finance charges accrued during the deferral period will depend on the amount and timing of any payments you make.

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  • DuPage Credit Union’s Skip-A-Pay program gives members the opportunity to defer a scheduled monthly payment on an eligible vehicle loan, personal loan and/or credit card for a $40 per loan, per instance fee. To be eligible, you must meet and agree to all of the following criteria: 1) Your applicable loan/credit card must be open for a minimum of 180 days and you must have made at least 6 monthly payments; 2) The request must be submitted 5 days prior to the scheduled due date; 3) You must be in good standing with all of your DuPage Credit Union memberships; 4) All of your DuPage Credit Union loans and/or credit cards must be paid as agreed and current as of the date of your request; and 5) You must have the Skip-A-Pay fee on deposit with DuPage Credit Union as of the date of the request. Skip-A-Pay is not available for consecutive months on the same loan/credit card. Members can participate in the Skip-A-Pay program a maximum of 2 times per calendar year and a maximum of 6 times throughout the life of the loan for each eligible loan. Requests can be submitted by any borrower on the loan or credit card. If approved, one monthly payment will be deferred until the end of the loan, thereby extending the original term and amortization of the loan. Interest will continue to accrue as normal throughout the deferral period. All other terms and conditions as stated in the original loan and/or credit card agreement continue to remain in effect. As applicable, your monthly premium for Payment Protection will still be added on the deferred month. The terms of coverage for any added insurance products on your loan may not be extended to the new maturity date. Deferred payment(s) may impact GAP claims on vehicle loans. Lease Alternative loans, Personal Line of Credit loans, and any Real Estate loan are not eligible for the Skip-A-Pay program. Other restrictions apply and DuPage Credit Union reserves the right to refuse a Skip-A-Pay request and may discontinue the program at any time without prior notice.

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