Skip a Payment

For when you need a little wiggle room, skip a payment on eligible auto, personal, and recreational loans.

Download Application for Skip a Payment

Take a breather. We've got you.

Sometimes you just need a little extra space in your budget. Our Skip a Payment option makes that possible. It's designed to give you extra flexibility...no judgment, no hassle. It’s our way of helping you stay on track.

How it works:

  • Available on eligible auto loans, personal loans, and recreational loans
  • Complete a simple application and submit by email or mail
  • Must be current on all loans and accounts
  • $25 processing fee applies
  • Requests must be received at least 4 days before your due date
  • Limited to two skips per loan in a rolling 12-month period
  • A processing fee of $25.00 per month skipped per loan will be charged for this program. If you do not have the necessary funds in your account, please submit a check with your Skip A Payment application.
  • Loans must be current at the time of request and must be active for at least six (6) months with at least five (5) payments made on the loan to qualify for the program. All Real Estate Loans (i.e., Mortgages, Home Equity Lines of Credit Loans, Home Equity Loans, and Home Improvement Loans, etc.), Personal Lines of Credit and Visa® accounts are NOT eligible. Application and approval are required for all skipped payments. All applications are subject to HRCU’s final approval, and all applicants will be contacted with a decision.
  • Offer is not valid to members who have had loan extensions within the last year. Applications should be received at least four (4) business days prior to loan due date. Interest will continue to accrue on unpaid balances through the skipped payment period.
  • Members may have five only (5) skipped payments for the life of the loan and are allowed a maximum of only (2) skipped payments in a rolling 12-month period.

How to Apply

Simply fill out the Skip A Payment Application and return it to us by dropping it off at a branch, emailing it to consumerlending@hrcu.org, or mailing it to P.O. Box 2078, Rochester, NH 03866. We’ll do the rest!

Download ApplicationDownload Skip a Payment Application

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211489669
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740044
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