How to Skip a Loan Payment

Skip Pay lets you skip your loan payment once a year per loan for a low, $35 processing fee.

Here's how to skip your 1st United Credit Union loan payment:
  • Log in to your account and select any loan, then click the Skip Pay button from the loan menu.
Skip Pay - menu

  • Select the eligible loan you wish to skip a payment for that month.
Skip Pay - accessing the menu

  • Your Current Due Date and Advanced Due Date will display for your information. Tap Continue.
Skip Pay - date confirmation

  • Using the drop down, select whether you'd like to pay the $35 Skip Pay fee using one of your 1st United accounts or by credit card, and fill in the necessary information.
  • Review and agree to the Terms & Conditions
Skip Pay - payment options and terms

  • Tap Finish. The Skip Pay process is complete!
Skip Pay - completion screen
If you are set up to make your payment through auto pay options, there may be additional steps.

If you pay your loan by cash or check, or by transferring money when the payment is due:

  • Follow the steps above to Skip Pay.
  • Pay your Skip Pay fee from your checking or savings account, or with a credit card.
  • Do not make your payment for the month, but begin making your payment the next month.
If you pay your loan with a recurring transfer:

  • Follow the steps above to Skip Pay.
  • Turn off your recurring transfer for the payment period, then turn it back on for the next month.
If your payment is made through bill pay from another financial institution:

  • Follow the steps above to Skip Pay.
  • Turn off your bill pay at your other financial institution for the payment period, then turn it back on the next month. If we receive a payment via bill pay during your skipped payment period, we will accept the payment but, unfortunately, won’t refund the $35 fee.
If you have questions or need assistance, email us, call us at (800) 649-0193, or stop by a branch.