Skip-A-Payment

Skip your monthly loan payment(s) up to 2 times each year* with our Anytime Skip-a-Payment Program!

Financial Flexibility

As a valued member, you deserve some flexibility. That's why we offer Skip-a-Payment as a benefit to help you navigate financial challenges and manage your budget effectively.

We understand that life can bring unexpected challenges and expenses, and there are times when having some extra cash in your account can make a significant difference. Whether it’s for unforeseen medical bills, home repairs, or simply to give yourself a little breathing room, our skip-a-payment program empowers our members to manage their finances on their terms.

Accentra is committed to providing our members with financial flexibility and support when they need it most.

Skip your monthly loan payment(s) up to 2 times each year*!

We offer two easy ways to skip your payment:

  1. Download the Skip-a-Payment Form, fill it out, and return it to us! Please note, you'll have to fill out a form for EACH loan you're requesting a Skip-a-Payment for.

    Skip-a-Payment Form

  2. Get help from an Accentra associate. Call or stop in today!


Skip-A-Payment Frequently Asked Questions

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How many times a year can I skip a loan payment?

As part of the Anytime Skip-a-Payment program, you can skip your monthly loan payment(s) up to 2 times each year.

Which types of loans are excluded from this program?

The program excludes real estate loans, credit cards, and consumer loans with original terms greater than 84 months. Loans with semi-annual or annual payment schedules are also ineligible.

How do I apply to skip a payment?

You have two easy options:

  • Download and submit a form: Complete the Skip-a-Payment Form and return it to a branch. Note that you must submit a separate form for each loan you wish to skip.
  • Get direct help: Call 1-800-533-0448 or visit an Accentra associate to assist you with the process.

How much notice does the credit union need to process my request?

You should allow a minimum of 4 weeks for your request to be processed. This timeframe is especially important if you have automatic payment transfers in place that need to be paused.

How does skipping a payment affect my GAP policy?

You are able to skip up to 1 loan payment over the life of the loan per your GAP policy. Skipping additional payments during your loan term is up to you but it may reduce your “GAP” claim payout if a claim is filed. If you have a GAP Policy and have question on the effects of skipping payments, please contact us at 1-800-533-0448.

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