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Skip Your Loan Payment

Take a break from your loan payment.

Skip Your Loan Payment

If you are a member in good standing (your account balance is positive, your loan is current, etc.) with an eligible Discovery FCU loan, you have the option to skip two months of loan payments per year. There is a $35.00 processing fee for each skipped payment. Not all loans qualify for this program.

Eligible Loans:
  • Auto Loan
  • Other Vehicle Loan
  • Recreational Vehicle Loan (RV, Boat, Travel Trailer, Motorhome, ATV & Other Recreational Vehicles)
  • Personal Loan (Lifestyle, Holiday, Vacation & Other Personal loans)
  • Share Secured Loan

Types of loans not listed above are not eligible for the skip-a-payment program.


How to Request a Skip-a-Payment 

NEW! Use Digital Banking to request to skip your loan payment:
Simply log in to online or mobile banking and look for the Skip-a-Pay tile on your dashboard. Select the eligible loan you wish to skip a payment on, then choose which account you’d like the $35 fee deducted from. It’s that easy! The process only takes a minute.

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Skip-a-Payment Terms and Conditions

By completing a Skip-a-Payment form you are requesting Discovery Federal Credit Union to advance your loan due date. You understand that the current balance of the loan is extended by the amount of the payment(s) skipped and that interest will continue to accrue on your loan balance throughout the deferred payment period, which may further extend the term of your loan. If there is more than one borrower on a loan, only one borrower is required to authorize a Skip-a-Payment request.

In order to request a Skip-a-Payment, all credit union accounts (deposit and loans) must be in good standing and requests must be submitted at least five business days prior to next loan due date. Most payments and loan terms are advanced automatically, however certain adjustments are made manually and changes may take time to be reflected properly. Skipping your payment(s) on an auto loan with GAP Insurance may affect the coverage calculation in the event of a total loss. Certain additional restrictions may apply and Discovery FCU reserves the right to deny any Skip-a-Payment.

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