Skip-A-Pay

Skip-A-Pay On Demand!

Great news, HPCU members can now choose when they want to skip a loan payment!

Maybe you have a trip coming up and could use some extra funds, or perhaps you have an unexpected bill or home repair. Whatever the reason, you can now skip your loan payment whenever is best for you through online and mobile banking.

Skipping your loan payment is easy! 
  • Chose the Skip-A-Pay option from the menu
  • Choose the qualified loan you want to skip
  • Choose the account you would like the $15 fee to come from
  • You will get a confirmation message when you are done

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Don’t forget to download our mobile app to bank on the go!
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Automatic Payments & Skip-A-Pay? 

Automatic loan payments set up through the credit union will automatically skip, and the transfer or payment will not be processed.
These payments are:

    • Payroll deduction
    • Payments set up when you booked your loan at HPCU
    • Payments set up through the call center or with an HPCU employee

Automatic loan payments not set up through the credit union will NOT automatically skip, and you will need to cancel the transfer or payment. 
These payments are:

    • Payments set up through online banking
    • Payments set up through another financial institution
What loans qualify for a Skip-A-Pay? 
      • Autos, motorcycles, recreational vehicles and unsecured loans
      • Loan must be less than 10 days delinquent
      • Loan must be open a minimum of 6 months
      • Member must be in good standing with HPCU
      • Maximum of 2 payment skips per rolling 12-month period
      • Minimum age to qualify is 18

Credit card, line of credit, home equity and mortgage loans are not eligible for our online Skip-A-Pay. 

 
Subject to credit qualifications. Loan must be less than 10 days delinquent, and have been open a minimum of 6 months. Maximum of 2 skips per 12 month period per loan. Cost is $15 per loan skipped. Borrower must be at least 18 to skip a payment. Loan Types excluded: Mortgages, home equities, credit cards, lines of credit and CD secured loans. Continue paying your loan(s) until you receive confirmation your skip request has been approved. Subject to change at any time. Current as of 8/15/2021.

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