Skip-A-Pay

Skip your payments.

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

We apologize, Skip-A-Pay is currently unavailable while we upgrade to the new Digital Banking platform. It will be available in Digital Banking by April 4.

Family skipping in field

How Skip-a-Pay works

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,1skip to disclosure vehicle loan,2skip to disclosure and/or your personal loan2skip to disclosure up to two times each per calendar year!

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

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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  • 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. Skip-A-Pay is not available for consecutive months. Requests must be received 10 days prior to the scheduled due date. Must have a Credit Union membership established and 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. Skip-A-Pay is not available for consecutive months. Requests must be received 10 days prior to the scheduled due date. Must have a Credit Union membership established and be in good standing. Other restrictions apply. Monthly premium for Payment Protection will still be added on the deferred month. Lease Alternative loans are not eligible for Skip-A-Pay. 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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