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Information on skipping payments

Skip a monthly payment at your discretion

Skip-a-Pay is a handy WSECU benefit you probably didn’t even know you had. If your loan is eligible, you can skip your next payment. There’s no penalty. It’s pretty useful in a pinch.

Things to know about Skip-a-Pay

  • Although you can skip a payment, interest will continue to accrue.
  • Automatic payments may need to be managed separately.
  • Some loan types are not eligible (for those, the option will not appear). See below for details.
  • Some restrictions may apply. See below for details.
  • Borrowers can access Skip-a-Pay in Online Banking, at a branch or by calling 800.562.0999.
  • Co-signers making payments from a WSECU account can request Skip-a-Pay at a branch or by calling 800.562.0999. If payments are made by cash or check, co-signers must visit a branch for assistance.
  • Eligible accounts that are past due still qualify for Skip-a-Pay and double skip if the delinquency is fewer than 60 days.

Double skip

Now you can skip two consecutive payments on eligible loans and credit cards. Please note that each skip must be processed separately. After processing the first skip, if your next payment is due within 30 days, you may immediately process your second skip. If your next payment due date is more than 30 days away, you will not be able to process a second skip until the payment due date is within 30 days.

Visa® credit cards are an exception. Because their payment cycles always begin on the 18th day of the month, Visa credit cards do not become eligible for a skip until the 18th day of the month prior as long as all other eligibility requirements are met.

How to Use Skip-a-Pay

How to use Skip-a-Pay on Online Banking

Online Banking: Access Skip-a-Pay from the Quick Actions menu.

A screenshot of the Online Banking Account Actions menu with the second item 'Skip a Loan Payment' circled

How to use Skip-a-Pay in Mobile Banking

Mobile Banking: Access Skip-a-Pay on the top carousel menu inside Loan Transaction History.

A screenshot of the mobile banking menu with 'Skip A Loan Payment' circled at the top of the screen below 'Account History'

View Mobile Banking App screenshot

Eligibility and fine print

Restrictions and fees

  • Auto and personal loans: Typical fee is $25 per skip.
  • Credit cards: Typical fee is $15 per skip.
  • Non-revolving loans, such as auto loans, are allowed a maximum of 6 skips for the life of the loan, with a maximum of 3 skips in a rolling 12-month period.
  • Revolving loans, such as credit cards and lines of credit, are allowed an unlimited number of skips with a maximum of 3 skips in a rolling 12-month period.
  • One double skip is allowed in a 90-day time period. It is not a requirement to take 2 consecutive skips. A minimum of 90 days and 3 loan payments is required for a loan to be eligible for a new skip.

Eligible for Skip-a-Pay

  • Certificate Secured
  • New Boat
  • Used Non-Titled Goods
  • Indirect New Auto
  • New RV
  • Used RV
  • Indirect New Boat
  • New Titled Goods
  • Used Titled Goods
  • Indirect New Motorcycle
  • Personal Line of Credit
  • Visa Classic
  • Indirect New RV
  • Personal Loan
  • Visa Classic Secured
  • Indirect Used Auto
  • Q-Cash Plus
  • Visa Gold Rebate
  • Indirect Used Boat
  • Share Secured Line of Credit
  • Visa Gold Rewards
  • Indirect Used Motorcycle
  • Share Secured Loan
  • Visa Platinum
  • Indirect Used RV
  • Used Auto
  • WSECU Cash Back Visa Signature
  • Motorcycle
  • Used Boat
  • WSECU Low Rate Visa
  • New Auto

Not eligible for Skip-a-Pay

  • First mortgage
  • Home equity
  • Loans over 60 days delinquent
  • Loans that are charged off or included in a bankruptcy
  • Loans that have been open fewer than 90 days
  • Loans with no payments made
  • Smart Solutions
  • Student loans
  • WSECU Create Visa credit card
  • Q-Cash
  • Commercial loans
  • Small business loans

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