Skip-A-Pay Program

SPIRE Skip A Payment Program

Skip a vehicle loan payment to keep a little extra money in your pocket when you need it most.  If you have a new or used auto or recreational vehicle loan with SPIRE and the original term was 60 months or less, you could qualify!

Eligibility Requirements

  • Original loan term of 60 months or less.
  • If the monthly due date has already passed, the loan payment cannot be skipped.
  • One skipped payment allowed per calendar year.
  • Loan payment(s) must be current (i.e., you can’t skip your June payment if you haven’t paid your May payment).
  • A $35 fee* applies per loan payment skipped. Funds must be paid by your SPIRE checking or savings account.
  • Six loan payments must be made and loan must be open for six months or more.

*A processing fee of $35 will be assessed per skipped payment.  If you choose to skip loan payments on multiple loans, the $35 processing fee applies to each loan payment skipped. Interest will still accrue on the loan(s) even if you defer the payment(s). Restrictions may apply. Skipping a loan payment will increase the term of your loan and increase the total interest.

Take the Next Step

Apply Now

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Under Services, select Skip a Loan Payment!
Apply Now

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888.34.SPIRE or 651.215.3500

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Apply in person at your local SPIRE branch.

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