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Take a break from your bills

If you’re between paychecks or simply want some extra cash in your pocket now, Skip-a-Pay is the fast and easy way to stretch your budget.

Who can apply?

Anyone with a Vibrant auto or personal loan can apply if: 

  • Your balance is current 

  • It’s been more than one payment cycle since you last used Skip-a-Pay  

  • You haven’t requested more than one Skip-a-Pay in the last 12 months

Anyone with a Vibrant auto or personal loan can apply if: 

  • Your balance is current 

  • It’s been more than one payment cycle since you last used Skip-a-Pay  

  • You haven’t requested more than one Skip-a-Pay in the last 12 months

How it works

When you Skip-a-Pay, you pay absolutely nothing now:  

  • Your skipped payment is added to the end of your current term 

  • Processing fees are based on the amount of the skipped payment and will not be due until the end of your loan term* 

When you Skip-a-Pay, you pay absolutely nothing now:  

  • Your skipped payment is added to the end of your current term 

  • Processing fees are based on the amount of the skipped payment and will not be due until the end of your loan term* 

What to expect

To apply, all you need is your account number and current balance: 

  • Check your inbox for confirmation and to sign any necessary documentation 

  • If you use autopay, make sure to adjust any scheduled payments 

To apply, all you need is your account number and current balance: 

  • Check your inbox for confirmation and to sign any necessary documentation 

  • If you use autopay, make sure to adjust any scheduled payments 

Apply now

*By filling out this form and clicking the submit button, you agree to be contacted by Vibrant Credit Union via phone, email, and/or text message for this product or service. A Vibrant employee may follow-up with additional questions. All Skip-a-Pay requests are subject to Vibrant Credit Union approval. Non-real estate closed-end consumer loans only. Email documents will arrive from DocuSign and may arrive to your Junk/Spam folder. Processing time may take 1-2 business days. This payment skip will extend the final maturity date of your loan by one month. Interest will continue to accrue on the unpaid balance. All principal, interest and fees will be due at the maturity of your loan. By participating in Vibrant Credit Union’s Skip-a-Pay program, you request that Vibrant defer your loan payment(s) as indicated. You agree and understand that: 1) finance charges will continue to accrue at the rate of your original loan agreement; 2) deferring your payments will extend the term(s) of your loan(s); 3) you will be required to resume your monthly payments the following month; 4) loan must be current. The processing fee per loan is $100 for loan payments up to $200 and $180 for loan payments over $200. The processing fee will be added to the loan. Each non real estate loan is allowed a maximum of two skipped payments each year. There must be one full payment made between skips. It is the member's responsibility to make adjustments to their automatic payment(s). This policy is subject to change without notice. If your loan includes GAP coverage, this payment and any fees associated with it may not be covered in the event of a total loss.