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Personal and Business Banking


Defer a loan payment without impacting your credit rating

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Skip a payment

Skip-A-Payment Features

  • Gives you a one month break from your loan payment
  • Does not affect your credit history
  • Costs only $25

What is Skip-A-Payment?

Maybe it's the holiday season and you'd like a little more cash for gifts or travel. Maybe it's vacation time, and you need a little more for the trip. DCU's Skip-A-Payment program can help you make it happen.

The Skip-A-Payment Program gives you the option to defer a monthly payment on an eligible DCU Loan until the end of the loan. We advance your payment due date and your maturity date (for example on a 48-month loan, if one payment is skipped, you make 48 payments over 49 months). It is that simple.

Loans Eligible for Skip-A-Payment

  • Auto Loans
  • Access Loans
  • Motorcycle Loans
  • Boat Loans
  • Recreational Vehicle Loans
  • Mobility Vehicle Loans
  • Personal (Signature) Loans
  • Stock-Secured Loans

How Skip-A-Payment Works

To take advantage of our Skip-A-Payment Program, print out the Skip-A-Payment Request Form (pdf), fill it out completely and return it to DCU with your $25 fee (or choose to have the fee automatically withdrawn from your DCU Account).

This program does not apply to loans during the first six (6) months of the loan agreement and you may only exercise one (1) Skip-A-Payment per calendar year/per loan with a maximum of three (3) skipped payments per loan term.

The Skip-A-Payment Program is not offered on Visa, Advantage Credit Line, Home Equity, Mortgage, or some Indirect Loans (DCU loans opened at an auto dealership).

Skip-a-Payment is rated 5.0 out of 5 by 2.
Rated 5 out of 5 by from Huge help in a difficult time Our family came under hard times recently when I was laid off. The option to skip a payment was a lifeline that we needed. It’s good to know that DCU is there for you in the good times and the difficult times as well.
Date published: 2018-02-26
Rated 5 out of 5 by from ship a payment Thanks DCU for bailing me out this month, what a financial bail out for me.It's so nice to know there are still banks out in this world that care about people. Thanks again!!!!
Date published: 2013-03-06
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How does Skip a Payment work with Automatic Payment?

If I have signed up to have my auto loan payments automatically withdrawn every month, will Skip a Payment work, or will automatic payments happen anyway even though I am signed up to skip a month?
Asked by: Josh
The manner in which your automatic payments are set up will determine if funds will still be withdrawn and applied. We will need to review your account specifically to further help you. Please call us or submit a Secure Form from the Account Manager area of PC Branch, so we may review your account with you.
Answered by: DCU Staff
Date published: 2013-10-23

What is my loan balance?

Asked by: bojack
You may learn your current loan balance by logging into PC Branch, visiting any DCU Branch or CU Service Center location, or by calling us.
Answered by: DCU Staff
Date published: 2013-10-23

I recently faxed my paperwork. What typically happens next? Will I be notified if it is approved?

Asked by: KSC
Your Skip-A-Payment request will be processed within 3 business days of receipt. If approved, you will see your due date advance to the following month. If denied, you will receive a follow-up via email or postal mail. If you have concerns about the status, please call us.
Answered by: DCU Staff
Date published: 2014-02-08

how long is the promotional period?

for how long is the $25 fee waived?
Asked by: steph
Certain criteria must be met in order to qualify for a payment skip. The fee is $25 for each payment skip made. To learn more please call us.
Answered by: DCU Staff
Date published: 2013-10-23
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To Apply

Request Form – Fill out this form and follow the instructions to apply in person at any DCU branch or by mail.

Skip-A-Payment Related Links

  • Loan Calculator – Use these calculators to determine an approximate loan payment based on the loan amount (loan cash), term, and credit history standing. This helps you see if a loan will fit within your budget.
  • StreetWise Guide to CreditStreetWise guide helps you understand how credit works, how to use it responsibly, how to know if you are having difficulty with it, and what to do if you are.
  • Calculate Finance Charges – Sometime members have questions about how Finance Charges or Interest on their DCU loan accounts are calculated. This information is designed to make the information in your loan disclosures a little easier to understand.
  • Schedule of Fees and Service Charges – Details regarding member benefits that may help you avoid fees.
  • Financial Wellness and Recovery – Learn what DCU can do for you if you are now or think you may soon experience a financial setback. The earlier you contact us, the more we can do to help.