Defer your monthly loan payment on your vehicle or personal loan. All fees will be added to your existing loan balance. All members are eligible to use Skip-a-Pay up to twice a year, but not in consecutive months.


*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. Email documents will arrive from DocuSign and may arrive to your Junk/Spam folder. Processing time may take 24-48 hours. Consumer Loans: This payment skip will extend the final maturity date of your loan by one month. Interest will continue to accrue on the unpaid balance. This payment, plus interest, will be due at the end of your loan. By participating in Vibrant Credit Union’s Skip-a-Payment 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. All Skip-A-Payment requests are subject to Vibrant Credit Union approval. Each non real estate loan is allowed a maximum of two skipped payments each year. There must be one full payment made between skips. Your Skip-A-Pay will be processed on the next business day. 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.