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Payment Assistance

Struggling to make a payment? Let us help.

Professional customer support man assisting customers at call center office

We understand that unexpected financial challenges can arise, making it difficult to meet your loan obligations on time. Whether it’s your mortgage, auto loan, boat loan, or even credit cards, we’re here to offer support and payment assistance.

Our goal is to provide you with the information and resources you need to navigate through these tough times and find viable solutions such as Skipping a Payment*. You’re not alone in your financial journey, and we’re committed to helping you regain stability and peace of mind.

Which Payment Do you Need Help With?

We’re here to help

If you’re struggling to make payments, let us help you. We have experienced financial experts ready to give payment assistance so you can begin taking the next steps to get back on track.


(801) 223-8188 | Branch Locations

Available M–F 8am–6pm, and Sat. 9am–2pm*.
*Saturday lobby hours vary per Branch Location


Home and Heloc Loan Transfer

Mortgage

Explore options such as loan modification, forbearance, or refinancing to alleviate financial strain and keep your home.

Fill out the Borrowers Assistance Form to get started.

Phone: (801) 223-8221 | Branch Locations[email protected]

Available M–F 8am–6pm, and Sat. 9am–2pm*.
*Saturday lobby hours vary per Branch Location


Woman and cocker spaniel sitting in front seat of car

Auto

Discover potential solutions like deferment, refinancing, or renegotiating terms to manage payments and retain ownership of your vehicle.

Skip a Payment options available

(801) 223-8188 | Branch Locations[email protected]

Available M–F 8am–6pm, and Sat. 9am–2pm*.
*Saturday lobby hours vary per Branch Location


Woman and man sitting on floor having a hot drink while painting a room

Home Equity Line of Credit

Learn about restructuring, payment deferral, or alternate financing options to address difficulties in meeting HELOC obligations.

(801) 223-8188 | Branch Locations[email protected]

Available M–F 8am–6pm, and Sat. 9am–2pm*.
*Saturday lobby hours vary per Branch Location


Visa Credit Cards

Credit Card

Find strategies such as debt consolidation, negotiation with creditors, or hardship programs to ease the burden of credit card debt and regain financial control.

(801) 223-8188 | Branch Locations[email protected]

Available M–F 8am–6pm, and Sat. 9am–2pm*.
*Saturday lobby hours vary per Branch Location


Recreational Vehicle parked at lake

Boat/Recreational Vehicles

Explore options like loan modification, refinancing, or selling to manage payments and maintain ownership of your cherished asset.

Skip a Payment options available

(801) 223-8188 | Branch Locations[email protected]

Available M–F 8am–6pm, and Sat. 9am–2pm*.
*Saturday lobby hours vary per Branch Location


Personal loans

Personal Loans

Explore options such as payment plans, debt consolidation, or seeking financial counseling to help manage and reduce personal loan debt.

Skip a Payment options available

(801) 223-8188 | Branch Locations[email protected]

Available M–F 8am–6pm, and Sat. 9am–2pm*.
*Saturday lobby hours vary per Branch Location


Man and woman discussing products in a warehouse

Commercial Real Estate

Learn about alternatives like loan restructuring, negotiation with lenders, or accessing government assistance programs to lower financial pressure and sustain your business.

(801) 223-7620 | Branch Locations[email protected]

Available M–F 8am–6pm, and Sat. 9am–2pm*.
*Saturday lobby hours vary per Branch Location


Small Business Loans

Business Loans

Learn about alternatives like loan restructuring, communication with lenders, or accessing government assistance programs to lower financial pressure and sustain your business.

(801) 223-7665 | Branch Locations[email protected]

Available M–F 8am–6pm, and Sat. 9am–2pm*.
*Saturday lobby hours vary per Branch Location


Frequently Asked Questions

What is Mortgage Forbearance?

Mortgage Forbearance is a program that allows you to skip a certain number of monthly payments due to financial hardship. Once Forbearance ends you must pay back the missed payments.

To apply, please call our Loss Mitigation department at 866-397-5370. You may be required to provide documents to qualify.

How does Mortgage Forbearance work?

Once you’ve applied and been approved for Forbearance you will sign an agreement and be allowed to miss a certain amount of monthly mortgage payments. At the end of the agreements, you must resume monthly payments and pay back the missed payments.

To apply, please call our Loss Mitigation department at 866-397-5370. You may be required to provide documents to qualify.

What loans are available for skipping a payment?

Skip a Payment* is available for the following loans and can be first line of defense when you need payment help:

  • Auto Loans
  • RV Loans (Boats, Trailers, ATVs, UTVs, etc.)
  • Motorcycle or Scooter Loans
  • Personal or Signature Loans
  • Certificate Secured
  • Quick Draw

*You agree Utah Community Federal Credit Union (“UCCU”) will charge you a $25 fee for each skipped payment. You must have a satisfactory payment history and UCCU may deny your request for any or no reason. Skipped payments are not waived or forgiven; they are simply deferred and must be paid later. Your payments must resume following the one-month skip; your payment the following month will be due on the same date of that month it would have been due in the absence of a skip/deferment the prior month. Interest will continue to accrue during the deferral period and until your loan is repaid in full. Deferring a payment can cause negative amortization on your loan. 
All terms of your loan agreement(s) remain unchanged if UCCU approves your request except: (a) the payment schedule will lengthen by one month, and (b) insurance products now in effect may not provide protection beyond the original maturity date. UCCU reserves the right to not offer you a payment deferral in the future.

We’re here to help

Call or Text

(801) 223-8188
Mon – Fri: 8:00 am – 6:00 pm
Sat: 9:00 am – 2:00 pm

Submit a Question to our Support Team

or send us a message from inside online banking.

Stop by a Branch

Find a Location