Loan Flexibility at ACU

Life's a series of ups and downs; it's a series of changes, events and, often times, simply the unexpected. Flexibility helps! As such, we have expanded and improved our skip program.

Now you have a year-round option for your vehicle and personal loans. Instead of choosing one month per season, you can feel free to skip a loan payment whenever you need it (generally up to 4 times per year). However, you can only skip one payment at a time– see complete details below.

While it is best not to overdo it, you can count on having a bit of flexibility when you need it!

To download the skip-a-payment form, click the skip button.

Skip Fall



Our skip-a-payment program works exactly as it has in the past. For those that have never skipped a payment with us, you are allowed to choose one (1) month to skip for each form. However, you cannot skip two consecutive months. So, for example, you could skip February's payment as long as you already paid January and plan to pay in March. You could then skip again in April if you need to. All personal loans and vehicle loans are elligible, but we are unable to skip real-estate loans or revolving loans like credit cards. Please note that there is also a $50 administration fee per requested month off. Your loan must be current at the time of processing.

On approval, we simply put your loan back a month and you don't have to worry about that payment. Click the above buttons for more information as well as any additional restrictions.

Please note, while we may, in some cases, have some flexibility, it is very rarely a good idea to skip more than 4 payments in a year. This will cause your loan term to be extended and may not be the best course of action. As such, most members will be limited to 3 or 4 depending on the situation. We reserve the right to not approve a skip-a-payment request at our sole discretion. If you elected a first payment default of 90 days on your loan, you
may not qualify for a skip-a-pay for the first twelve months.