Skip Pay Starts December 1st!
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Skip Pay Starts December 1st!


Family First Credit Union's Skip Pay Program allows you to skip a payment for qualifying loans effective December 1 - 31, 2021.  

  • Accounts in good standing.
  • Loan has been open for at least 30 days and the first payment has been made.
  • The following loans do not qualify: Holiday Loans, Quick Cash Loans, Business Loans, Mortgage, Home Equity, Visa, Lines of Credit, Emergency, Fresh Start, and loans in Bankruptcy.
  • The following loans may not qualify: Delinquent loans, loans currently in a modification, Full Recourse Auto Loans and loans with interest only payments or forced placed insurance added.

Is there a fee?

There is a $35 fee per skip, per loan 

How does participating in the Skip Pay program affect my loan?

The skipped months will be added to the end of your loan, extending the loan term, and possibly reducing claims paid on vehicles with GAP, credit life/disability, debt protection insurance and Mechanical Repair coverage on insured loans. Interest will continue to accrue during skipped months. 

How often can I skip a payment?

  • Loans with monthly payments are allowed to skip no more than 2 payments per year, 6 over the life of the loan.
  • Loans with bi-weekly payments are allowed to skip no more than 4 payments per year, 12 over the life of the loan.
  • Loans with weekly payments are allowed to skip no more than 8 payments per year, 24 over the life of the loan.

I took a COVID Skip Pay in 2020, does that affect my ability to get a Skip Pay now?

COVID Skip Pays are not included in the count of 6 skips.

Where do I apply?

Complete this Printable Skip Pay Form and contact our loan department before your December due date to apply.

If you have further questions about this, please call us at: 989-759-1686 ext.503, use our Live Chat on the website, or send us a message at:  Click here

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