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Skip-A-Pay

Skip your summer loan payment!


Skip your summer loan payment

Whether you're planning a getaway, gearing up for summer activities, or just want to keep your budget flexible, take a break from your loan payment. Skip your June or July payment and free up extra funds for your summer adventures!

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How it works

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Choose an eligible loan for Skip-A-Pay. Credit cards, mortgages, home equity loans, and HELOCs are excluded from this promotion.

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Choose June or July to skip your loan payment for a $35 processing fee per skip (limit one skip per loan).

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Spend your extra cash on summer fun—think road trips, backyard BBQs, concerts, or days by the pool!


Select Which Payment You Want to Skip

 

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Skip My Car/ Truck Payment

Skip Auto

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Skip My RV Payment

Skip RV

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Skip My Motorcycle Payment

Skip Motorcycle

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Skip My Boat Payment

Skip Boat

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Skip My Personal Loan Payment

Skip Personal Loan

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Skip My Line of Credit Payment

Skip Line of Credit 

Home Equity Loans and Lines of Credit, Credit Cards, and Mortgages not eligible 


Important Skip-A-Pay Notices & Disclaimers

IMPORTANT NOTICES AND DISCLAIMERS

For each eligible loan, you may skip one payment. First mortgage loans, home equity loans, home equity lines of credit, commercial real estate and/or equipment loans, savings secured, certificate secured, credit cards, and loans where fewer than three full monthly payments have been made are NOT eligible for the Skip-A-Pay program. If approved, your regular monthly payments will resume immediately following the month you indicate on the request form. Loan(s) must be current at time of Skip-A-Pay processing. By signing the request form, you authorize Sandia Area Federal Credit Union to do the following, depending on the type of loan payments you request to skip.

NOTE: home equity loans/lines of credit (HELOCs) and credit cards are NOT eligible for a Skip-A-Pay.

Vehicle and Consumer Loans: Sandia Area will add the $35 processing charge (per loan) to your principal loan balance and advance your loan due date by one month. This may extend the maturity date of your loan. The $35 processing fee will be added to each loan you choose, and when payments resume, the unpaid interest will be collected first.

Personal Loans or Personal Lines of Credit: Sandia Area will withdraw $35 from either your Sandia Area savings or checking. 

You also acknowledge that this request does not change your legal obligation to the credit union, that your agreement with the credit union provides for regular monthly payment and the credit union is merely informally permitting you to defer payment for the month indicated. Interest will continue to accrue on the unpaid balances during the month you skip your payment. The processing fee is non-refundable and constitutes a Skip-A-Pay request. Payments made through payroll deductions or direct deposit will be deposited into your account during the month you choose to Skip-A-Pay and will subsequently be available for withdrawal. For automatic loan payment deductions, this Skip-A-Pay will affect one month of deductions. 

IMPORTANT: If you have an automatic payment set up through Online Banking or through another financial institution, please ensure you adjust your next payment date. 

The effect of this $35 processing fee will be to increase the Annual Percentage Rate (APR) and finance charges on the balance of your loan. The effective Annual Percentage Rate (APR) and the corresponding finance charge will be disclosed on your periodic statement.

Skipping payments can affect payment protection and GAP coverage. See your agreement for details.

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Sandia Area Federal Credit Union
P.O. Box 18044
Albuquerque, NM 87185

1.505.292.6343
1.800.228.4031

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This Credit Union is federally insured by the National Credit Union Administration (NCUA).

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

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