We want to alleviate your financial stress this holiday season.

Our Holiday Skip-A-Pay program allows you to skip your November or December loan payment.

It’s easy to apply:

  1. Login to It’s Me 247 Online Banking
  2. If your loan qualifies, you will see a green dot with the letters SP
  3. Hover over the SP and click the “More Info” link
  4. Click the Skip-A-Pay button
  5. Review the Instructions and select the account you’d like to have the $25 fee deducted from
  6. Confirm that you have reviewed the terms and click Submit

If you have automatic payments on your loan, these will not automatically be adjusted.  Be sure to contact us at least 5 business days before your payment is scheduled to transfer and request we adjust your automatic payment.

VISA Credit Card Holiday Skip-A-Payment
UA VISA Credit Cards are automatically skipped for the month of December if all of the criteria is met.

Criteria for credit card Holiday Skip-A-Payment:

  • Account has been open for at least 6 months
  • Account is not over limit
  • Account is not past due and has had satisfactory payment history
  • Account is not blocked from further advances

Statements will be sent at the beginning of December as usual.  If your account meets the criteria above, your statement will show $0 due for the December payment.  You may choose to make a payment, even if your statement shows $0 due for December.

All requests are subject to approval.  Your account must be in good standing (no negative balances).  Your loan(s) must be in good standing: Not delinquent, we must have received proof of insurance information with United Advantage NW FCU listed as loss payee, not awaiting documents to complete title work, etc.
Eligible loans are those loans that have been open for at least 181 days with satisfactory payment history.  The following loans are not eligible for Skip-A-Pay: loans that are currently past due, real estate loans.
Interest and finance charges will continue to accrue.
If you have GAP coverage on your vehicle loan, please review your GAP contract closely as it may not cover skipped payments.