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Need to cover unexpected expenses this month?

Eligible SPCU members can skip a monthly payment on a qualifying loan for a small fee with no adverse effect on your credit!

Submit a Skip-a-payment request with a $20 fee to skip one regular monthly loan payment.

Requests must be submitted no less than five business days prior to the loan due date.  Each Loan Skip-a-payment request will require a separate form.

Loans that qualify for this program include:

  • Vehicle Loans
  • Recreational Vehicle/Watercraft Loans
  • Personal and Shared Secured Loans
  • VISA balances

(First Mortgages, Second Mortgages, Home Equity Loans, Home Equity Lines of Credit are not eligible).


To qualify for Skip-a-payment, you must satisfy all of the following requirements:

  • All accounts at State Police Credit Union must be in good standing.
  • Loan must be current at the time of request
  • Request made at least five (5) days prior to the next due date.
  • This program is not available on loans during the first twelve (12) months of the loan agreement.
  • Two requests maximum per calendar year; you cannot skip two months back to back.
  • Maximum of four (4) approved requests per loan term.
  • A $20 non-refundable processing fee will be accessed for each request.
  • This request must be signed by all persons who signed the original note

Skip-A-Payment Loan Extension Application

I (We) wish to participate in the Skip-a-Loan payment offered by the State Police Credit Union and requested by the borrower(s). I (We) understand that by participating in this program, the original term of the note will be extended. I (We) also understand that the interest will continue to accrue during the extension period (the month skipped) and that a greater portion of my next payment will be applied to interest. I (We) remain obligated for the payment of both principle and interest at the same rate of interest provided in the original note. I (We) am bound by all provisions of the original note and understand that the original note remains in full force and effect except for those changes made in this agreement. I (We) realize that it will take a longer time to pay off what is owed than stated in the original note, that the finance charges and total payments will be higher than the original amount stated.

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