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loans & credit cards

loans & credit cards

Skip-a-Pay Service

From car repairs to doctor bills, we know that unexpected expenses can happen. If money is tight, we can help stretch your budget with skip-a-pay.


Qualifying Loan Types*
Skip-a-pay is for qualified consumer installment loans including:

  • Auto
  • Signature
  • Share secured
  • Other secured loans


How Often Can I Skip a Pay?

  • Up to two payments per year, per loan.
  • Five per the life of the loan


How to Apply
In online banking, select the "all services" tab, then "Skip-A-Pay"
Complete and print this online form.


$35 processing fee per loan


*Your loan account must be current, in good standing, and open at least 12 months. Offer valid on consumer installment loans only including auto, signature, share secured and other secured loans. Excludes real estate loans/lines, billing loans, credit cards, lines of credit, workout loans and already posted payments. Qualified loans are limited to two Skip-A-Pays per year and five per life of the loan. We must receive your request no later than seven business days before the date of the requested skipped payment. You understand that we will extend the due date of your regular payment by one month, for the month indicated above. Interest will continue to accrue on the entire loan balance, including the amount of the skipped payment and that skipping this payment means it will take longer to pay off the loan. Payroll deduction will not be interrupted. Any credit life and/or disability and GAP insurance on the loan will not extend beyond the original maturity date of the loan. OUCU reserves the right to refuse to honor this request if all terms of the disclosure statement and agreement have not been met.