Some months just cost more than others. Maybe this year’s holiday shopping put you in a tight spot, or maybe an unexpected hospital bill left you short on cash. We get it, and we don’t want to add to your stress. In fact, with Skip-A-Pay, we can even help you get back on top of your budget.

What is Skip-A-Pay?

Skip-A-Pay gives eligible VCCU members with loans that are at least a year old and in good standing the flexibility to occasionally skip payments. It’s available for:
  • Credit cards
  • Auto loans
  • Personal loans
  • Lifestyle loans

How Does Skip-A-Pay Work?

Skip-A-Pay is free in many cases, but sometimes a small fee may apply. When you skip a payment, interest will continue to accrue on your loan. Your original payment schedule may be extended, and the total amount of interest you pay over the life of the loan will be slightly higher.

To skip a payment, find out if your loan is eligible, or learn more about Skip-A-Pay restrictions and qualifications, please call Member Services at 805.477.4000.
  • Equal Housing Lender
  • NCUA
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.