Skip-a-Pay

Take a break from loan payments with EdiFi Credit Union's Skip-A-Pay service. Enjoy the flexibility to skip a payment during life's unexpected moments, giving you extra cash flow when you need it most. Whether it's for holiday shopping, unexpected expenses, or simply to catch up, Skip-A-Pay provides peace of mind and financial relief. Experience the freedom and convenience of managing your finances on your terms with EdiFi.

Conditions to Qualify

  • $30 processing fee per loan
  • Member Account must be in good standing
  • Loan to be skipped can be no more than thirty days past due
  • All parties on the loan must sign
  • Skip-A-Payment is not available on mortgages, home equity loans, privilege pay loans and Visa® credit card payments.

Skip-a-Pay Form


To initiate a skip of up to three loans, please complete the form below. If you would like to skip four or more different loans, please contact us at 609-877-1911

Rates

Loan Type
Min/Max Borrowed
Max Repayment Term
APR* as low as
Account Type
Min Balance to Earn
APY*
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Disclosures

By signing the Skip-A-Payment form above you authorize EdiFi Credit Union to extend the maturity date on the loan (not including Mortgages, Home Equity, Privilege Pay, or Visa) and your pledge of collateral will remain in effect until the loan is fully repaid. You authorize the credit union to deduct the fee(s) from any account that you have with the credit union that has funds available. Interest will continue to accrue on your loan(s) during the month you skip your payment(s). Should you have multiple loans and elect to skip a payment on only one loan, the credit union will select the loan with the highest payment unless otherwise directed. Selecting to skip a payment may negatively impact GAP coverage in place on a vehicle loan. All bankruptcies must be discharged. All parties on the loan must sign the Skip-A-Payment authorization form. The credit union reserves the right to determine if prior or subsequent action may disqualify your loan from this program. All Skip a Pay requests must be received by the 12th of the month preceding the month to be skipped. Only one skip per 12 month rolling period.