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Skip a Payment
Stress less, any time of year.
Enjoy extra cash now without hurting your credit by pausing a loan payment
Skipping a loan payment is as easy as opening up your UCCU Mobile Banking app, selecting “Services” under the “Menu” tab, and finding the “Skip a Loan Payment” option. With a click of a button and a one-time fee of $25*, you can pause a UCCU loan payment any month of the year. Think of it as one less thing to stress about, anytime you need it.
How do I qualify for skipping a payment?
- All members with a qualified loan can be eligible to postpone a payment.
- Pay one-time fee of $25
**For questions regarding detailed qualifications, contact a UCCU representative.
How do I skip my loan payment?
- Verify the qualifications for skipping a payment (As listed above).
- Login to your Online UCCU Digital Banking. Select “Services” then “Skip a Loan Payment”
- Follow the directions listed and enjoy a full month without a loan payment!
Eligible Loans Include
- Auto Loans
- RV Loans (Boats, Trailers, ATVs, UTVs, etc.)
- Motorcycle or Scooter Loans
- Personal or Signature Loans
- Certificate Secured
- Quick Draw
*You agree Utah Community Federal Credit Union (“UCCU”) will charge you a $25 fee for each skipped payment. You must have a satisfactory payment history and UCCU may deny your request for any or no reason. Skipped payments are not waived or forgiven; they are simply deferred and must be paid later. Your payments must resume following the one-month skip; your payment the following month will be due on the same date of that month it would have been due in the absence of a skip/deferment the prior month. Interest will continue to accrue during the deferral period and until your loan is repaid in full. Deferring a payment can cause negative amortization on your loan.
All terms of your loan agreement(s) remain unchanged if UCCU approves your request except: (a) the payment schedule will lengthen by one month, and (b) insurance products now in effect may not provide protection beyond the original maturity date. UCCU reserves the right to not offer you a payment deferral in the future.
Skip a Loan Payment Today
Need to free up some extra cash? Start by deferring a loan payment any month of the year and resume payments the following month.
(801) 223-8188 | Branch Locations
Available M–F 8am–6pm, and Sat. 9am–2pm,
Frequently Asked Questions
Can I skip back-to-back payments?
No. Eligible loans qualify for a max of two payment pauses per year (up to 5 for the duration of the loan). However, 3 standard monthly payments are needed in-between each monthly deferred payment.
Are there other loans that are eligible for deferring a payment?
Eligible Loans that can be a Payment include:
- Auto Loans
- RV Loans (Boats, Trailers, ATVs, UTVs, etc.)
- Motorcycle or Scooter Loans
- Personal or Signature Loans
- Certificate Secured
- Quick Draw
Loans that are not eligible for a month deferment include Credit Cards, Mortgage Loans, Home Equity Loans / HELOC’s and Checking Protection (Overdraft) loans
Can I pause a payment coming from another financial institution?
Yes. If you have a UCCU loan and automatic payment for that loan comes from separate financial institution, you will need to contact the paying financial institution to cancel or pause auto-payments for the UCCU loan. You will also need to pause your automatic transfer payment to your loan.
Call or visit a local UCCU branch for additional questions or support for pausing a loan payment especially when multiple financial institutions are involved in your UCCU loan payment
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