Take a break from loan payments with Skip-A-Pay!

As a member of Navigator Credit Union, you may be qualified to participate in our
Skip-A-Pay program. Have more than one eligible loan? Skip a payment on each one!

Are you ready to skip? Just give us a call or visit a Branch!

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Skip-A-Pay program eligibility guidelines:

  • Eligible loan(s) must be open for more than six (6) months and have at least a 6-month payment history.
  • No more than one (1) skip on a loan within a six (6) month period.
  • Maximum of three (3) skips per loan with terms up to 84 months.
  • Maximum of six (6) skips per loan with terms more than 84 months.
  • If you elect to skip a payment, your loan term will be extended by one month, which may increase the total interest paid over the life of the loan. Regular payments resume the following month and interest will accrue on the unpaid balance.
  • All Skip-A-Pay requests must be received at least seven (7) days in advance of the loan payment due date you want to skip.
  • Credit cards, lines of credit, home equity lines/loans and mortgages are not eligible for Skip-A-Pay.

If you have any questions, or would like to discuss any available options for a loan not eligible for Skip-a-Pay, please call us at (800) 344-3281.

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Member request and Credit Union approval required for all skipped payments. All requests subject to final approval. Skip-A-Pay is not available on mortgage loans, home equity loans, credit cards or lines of credit. Member must have made at least six full payments on the loan. All loans must have an on-time payment history with no delinquencies. Only two skip-a-payments per 12-month rolling period. The skip-a-payments must occur six months apart. Interest and finance charges will continue to accrue on the outstanding balance during the skip-a-payment period. Regular payment schedule will resume in the month immediately following the month of the skipped payment. Payments regularly made through Payroll Deduction will be redirected to the member’s direct deposit account or paycheck. Except for this change to the payment obligation, all other terms and conditions of the original loan contract remain in effect as disclosed. Skipping a payment will extend the term of the loan. Participation in the Skip-a-Pay program may reduce future claims by the amount of deferred (skipped) payments for loans with GAP coverage. Navigator reserves the right to deny Skip-a-Payment requests for any reason and to discontinue the Skip-A-Pay program at any time.