SKIP-A-PAY

Skip your payments.

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

How Skip-a-Pay works

We understand it can be hard to make ends meet during these difficult times and we want to help you find relief. That's why we invite you to skip a payment on your DuPage Credit Union Visa® credit card,1skip to disclosure vehicle loan,2skip to disclosure and/or personal loan!2skip to disclosure

  • There is a $30 processing fee per skip
  • Loan must be opened for 6 months in order to be eligible
  • Maximum 2 skips per year (not including COVID-19 skips)2skip to disclosure
  • Request must be submitted 10 days before due date
Dad playing with son on couch

Get help with Skip-A-Pay.

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 based on the number of months you chose to defer your payment.

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.

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

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, 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.

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  • Visa Credit Card Skip-A-Pay: DuPage Credit Union’s Skip-A-Pay loan program permits Members to defer a scheduled monthly payment on a credit card for a $30 fee. Interest will continue to accrue as normal throughout the deferral period. To be eligible for Skip-A-Pay, your Visa Credit Card must be open for 6 months. Members can participate in the Skip-A-Pay program a maximum of 2 times per calendar year, excluding COVID-19 skips. If approved, one monthly payment will be deferred. Requests must be received 10 days prior to the scheduled due date. Member(s) must be in good standing. Other restrictions apply. Monthly premium for Payment Protection will still be added on the deferred month.

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  • Vehicle and Personal Loan Skip-A-Pay: DuPage Credit Union’s Skip-A-Pay loan program permits Members to defer their scheduled monthly payment on a vehicle or personal loan for a $30 fee. Interest will continue to accrue as normal throughout the deferral period. To be eligible for Skip-A-Pay, your loan must be open for 6 months. 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, excluding COVID-19 skips. If approved, one monthly payment will be deferred. Requests must be received 10 days prior to the scheduled due date. Member(s) must be in good standing. Other restrictions apply. Monthly premium for Payment Protection will still be added on the deferred month. The terms of coverage for any added insurance products to the loan may not be extended to the new maturity date. A deferred payment may impact GAP claims on vehicle loans.

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