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Skip-A-Pay

Skip your loan payment so you can put money towards what you need most.

Skip Your Loan Payment

If you're struggling to make your loan payment on time due to unexpected circumstances, take advantage of Skip-A-Pay and defer your eligible loan* or credit card payment so you can put money towards what you need most.


Is My Loan Eligible?

To skip your loan payment, your account must be in good standing with a $5 minimum balance and have no charged off accounts. Your loan must be current and open for more than 90 days.

Eligible personal loans include:

  • Credit cards
  • Personal loans
  • Vehicle loans (excluding CURE, Indirect and Lender Protection Auto Loans)

You may complete two skips per rolling 12-month period; however, you may not skip two consecutive months. 


Request to Skip Your Payment

All Skip-A-Pay requests must be received at least one week prior to your due date and are subject to Georgia United approval. If accepted, a $25 service fee will be deducted from your checking or savings account. To submit your request, please call us at 888.493.4328.

 

Frequently Asked Questions

If you've completed two skips within a rolling 12-month period, you won't be eligible to request another skip until one year after the date of your first skip; however, if you are experiencing extreme hardship, we may be able to help. We can do a full financial review to see how Georgia United can assist you in your time of need. Please email us your name, contact information and a description of your situation and we will reach out to you with more details.

 

Yes. Once you are approved to skip your payment, you will also need to cancel or postpone any automatic payments to your loan for that month.

 

Yes, a $25 fee is charged each time a payment is skipped.

 

You may complete two skips per rolling 12-month period; however, you may not skip two consecutive months. 

*All Skip-A-Pay requests are subject to Georgia United approval. Interest and finance charges will continue to accrue. Deferring your payment will extend the term of your loan(s), and at the end of the loan(s), a higher total finance charge will be paid than if payments had been made as originally scheduled. Your payment(s) will resume the following month. To be eligible, your account must be in good standing with a $5 minimum balance and have no charged off accounts. Offer valid for the following personal loan products: credit cards, personal loans and vehicle loans (excluding CURE, Indirect and Lender Protection Auto Loans) that are current and open for more than 90 days. You may complete two skips per rolling 12-month period; however, you may not skip two consecutive months. This offer may be used for one of the following options: one monthly loan payment, two consecutive bi-weekly payments or four consecutive weekly loan payments. The application must be received at least one week prior to your due date. If you elected GAP coverage on your loan, coverage may not be extended beyond the original maturity date. It is your responsibility to cancel any scheduled payments from other financial institutions.