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Skip a Payment

Stress less, any time of year.

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Enjoy extra cash now without hurting your credit by skipping a payment

Skipping a loan payment is as easy as opening up your UCCU Mobile Banking app, selecting “Services” under the “Menu” tab, and finding the “Skip a Loan Payment” option. With a click of a button and a one-time fee of $25*, you can skip a UCCU loan payment any month of the year. Think of it as one less thing to stress about, anytime you need it.

How do I qualify to skip a payment?

  1. All members with a qualified loan can be eligible for Skip a Payment.
  2. Pay one-time fee of $25

**For questions regarding detailed qualifications, contact a UCCU representative.

How do I skip a payment?

  1. Verify the qualifications for skipping a payment (As listed above).
  2. Login to your Online UCCU Digital Banking. Select “Services” then “Skip a Loan Payment”
  3. Follow the directions listed and enjoy a full month without a loan payment!

Eligible Loans Include

  • 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.

Skip a Loan Payment Today

Need to free up some extra cash? Start by skipping a loan payment any month of the year and resume payments the following month.

(801) 223-8188 | Branch Locations

Available M–F 8am–6pm, and Sat. 9am–2pm,

UCCU Skip a Payment

Frequently Asked Questions

Can I skip back-to-back payments?

No. Eligible loans qualify for a max of two payment skips per year (up to 5 for the duration of the loan). However, 3 standard monthly payments are needed in-between each skipped payment.

Are there other loans that are eligible for Skip a Payment?

Eligible Loans for Skip a Payment include:

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

Loans that are not eligible for Skipping a Payment include Credit Cards, Mortgage Loans, Home Equity Loans / HELOC’s and Checking Protection (Overdraft) loans

Can I Skip a Payment when my payments come from another financial institution?

Yes. If you have a UCCU loan and automatic payment for that loan comes from separate financial institution, you will need to contact the paying financial institution to cancel or pause auto-payments for the UCCU loan. You will also need to pause your automatic transfer payment to your loan.

Call or visit a local UCCU branch for additional questions or support for skipping a loan payment especially when multiple financial institutions are involved in your UCCU loan payment

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

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or send us a message from inside online banking.

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