Skip-A-Pay

Chill Out & Put Your Loan Payments on Ice!

The holiday season can bring plenty of extra expenses. Keep your cool with Skip-a-Pay, eligible members can skip their November or December loan payment, giving you a little extra room in your budget for gifts, celebrations, travel—or whatever makes the season brighter.

For just $30 per loan, you can skip your payment on any qualifying consumer loan¹. Pick the month that fits your plans and enjoy a little extra flexibility all season long.

It is super easy to do with our online form.

Simply fill out and submit your Skip-A-Pay Coupon all online or click below to print the coupon and turn it into your nearest branch. Then, enjoy the season with extra cash. So, ACT NOW – offer ends December 31, 2026.

Apply NowPrint Coupon

PLEASE NOTE: The electronic signatures for co-borrowers will not work. If you have a co-borrower, please print either the form or the coupon for physical signatures and return to one of our branch offices.

1)  All requests to skip a payment must be approved by the loan department. By signing the form you agree to amend the terms of your original agreement and to repay the entire unpaid balance and accrued interest. If you have a co-borrower, they must sign. Personal, Signature, and Vehicle Loans are eligible for this offer. Mortgages, Credit Cards, Home Equity Loans, Student Loans, and Leases are not eligible. I understand that the form may be used for multiple loans; the Skip-A-Payment Fee is $30.00 per loan; and that I am solely responsible for stopping, and then restarting, any recurring payments I may have initiated through VCCU or elsewhere.

IMPORTANT:

  • All Credit Union accounts must be in good standing.
  • All loans must be up-to-date and not in a “grace period.”
  • There cannot have been any late payments in the last 12-months.
  • You cannot skip payments on loans that have been skipped or deferred within the last 12-months.
  • Members that have purchased GAP coverage will not be covered for skipped payments in
    the event of a claim deficiency. Contact the Credit Union for complete details.