SKIP-A-PAY

Skip your payments for no fee.

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

No fee Skip-A-Pay is here!

We understand it can be hard to make ends meet during these difficult times and we want to help you find relief. We invite you to skip your credit card, vehicle, and personal loan payments1skip to disclosure.

  • No fees
  • Can skip payments in July
  • Request must be submitted before payment 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.

¹Visa Credit Card Skip-A-Pay: DuPage Credit Union's Skip-A-Pay loan program permits members to defer a scheduled monthly payment(s) on a credit card. Credit Card must be open for 6 months. Interest will continue to accrue as normal throughout the deferral period. If approved, the requested monthly payment(s) will be deferred. Member(s) must be in good standing. Offer subject to change at anytime. Other restrictions apply.

Vehicle Loan Skip-A-Pay: DuPage Credit Union’s Skip-A-Pay loan program permits members to defer a scheduled monthly payment(s) on a vehicle loan. Loan must be open for 6 months. Interest will continue to accrue as normal throughout the deferral period. If approved, the requested monthly payment(s) will be deferred. Member(s) must be in good standing. Offer subject to change at anytime. Other restrictions apply. The terms of coverage for insurance products added to the loan may not be extended to the new maturity date. A deferred payment may impact GAP claims on vehicle loans.

Personal Loan Skip-A-Pay: DuPage Credit Union’s Skip-A-Pay loan program permits members to defer a scheduled monthly payment(s) on a personal loan. Loan must be open for 6 months. Interest will continue to accrue as normal throughout the deferral period. If approved, the requested monthly payment(s) will be deferred. Does not apply to Payroll Assistance loans. Member(s) must be in good standing. Offer subject to change at anytime. Other restrictions apply.
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