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Information on skipping payments

COVID-19 member update:

COVID-19 member update:

Small business loans — Eligibility has been extended to small business loans. Learn more.
Double skip — Now you can skip two consecutive payments. Learn more.

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.
  • Only the primary account holder can access Skip-a-Pay. Joint borrowers can call 800.562.0999 to process a skip.
  • 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.

Couple reading a piece of paper

How to use Skip-a-Pay in Mobile Banking

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

Couple reading a piece of paper

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

Skip-a-Pay temporarily available for small business

If you are a business owner looking for relief,  contact our Small Business team to learn how our Skip-a-Pay service can help. Loans currently eligible include:

  • Business Line of Credit
  • Business New Auto
  • Business Platinum Rewards Visa
  • Business Term Loan
  • Business Used Auto

Skip-a-Pay eligibility for Small Business loan requires that the loan is open for at least 120 days with the first three monthly payments completed.

Non-Eligible Loans

  • 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
  • QCash
  • Commercial loans

Creating a Budget

Want to create a budget or update your current one?

Do you run out of money before the end of the month? Create a budget so you know where your money is going instead of wondering where it went. Learn how to track your expenses and use our method to calculate a budget that is best for your needs.

Learn more

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