Skip-a-Pay application

It's okay to skip your loan payments with Skip-a-Pay!

Skip-a-Pay allows members to defer up to two (2) loan payments a year. Choose to skip consecutive or varying months. Simply fill out the form below indicating which loan you would like to skip your monthly loan payment for and we will take care of the rest. To qualify, loans must be paid up to date and cannot be delinquent.

Skip-a-Pay may be available on the following programs:
Auto | Boat/RV | Credit Cards | Home Equity Lines of Credit | Personal | Outdoor Activity Vehicle 

Skip-a-Pay Fee:  $40 per skip
Note:  Fees will be collected at time of request.

^*Please note some loan programs are not eligible for skip-a-pay including first mortgages, CU Student Choice Student Loans, closed-end home equity programs are excluded.  Skip-a-pay is not available in the first 12 months of the loan.  Member must be in good standing and not delinquent to qualify.  Two (2) skips per loan per year is calculated over a rolling 12 month period.  Member is responsible for stopping any automatic payments or payments scheduled through another financial institution.  

Personal Information

Account Number	First Name	Last Name
Email
Address	Address Line 2
City	State	Zip Code

Please apply Skip a Pay Option to (at least one is required):

Loan:	Payment Amount:	Select Month to Skip Payment:
Loan 1	Loan 1 Amount	Select Month to Skip Payment Select Month January February March April May June July August September October November December
Loan 2	Loan 2 Amount	Select Month to Skip Payment Select Month January February March April May June July August September October November December
Loan 3	Loan 3 Amount	Select Month to Skip Payment Select Month January February March April May June July August September October November December
Loan 4	Loan 4 Amount	Select Month to Skip Payment Select Month January February March April May June July August September October November December
Loan 5	Loan 5 Amount	Select Month to Skip Payment Select Month January February March April May June July August September October November December

Processing Fee: Select option below for the processing fee

Savings Account: Deduct from my Saratoga's Community Federal Credit Union savings account Checking Account: Deduct from my Saratoga's Community Federal Credit Union checking account

Electronic Signature (type full name)

Applicant's Name*	Joint Applicant's Signature

Acknowledgement for Skipping a Payment

By electronically signing and submitting, you authorize Saratoga’s Community Federal Credit Union to extend your final loan payment by one month and process the payment by one month and process the fee(s). Interest will continue to accumulate on your loan during the month you skip your payment. All loan payments must be paid to date and not delinquent to qualify. A maximum of two skipped payments per loan are permitted in a 12-month period. Please complete this form 30 days in advance of the requested loan due date.
Please type the code you see in the security image before submitting.