Skip-A-Pay Program

Skip a loan payment to keep a little extra money in your pocket when you need it most.

If you have a consumer auto, recreational vehicle, or personal loan with SPIRE and it is in good standing, you could qualify!
 

Eligibility Requirements

Your loan and account must be in good standing, never previously delinquent more than 30 days and the due date must not be with the next five days.

Your loan must be at least six months old and you must have made at least six payments.

Your loan must be an acceptable loan type — only consumer vehicle and personal installment loans will qualify.

Your loan must have never been modified or in a workout status.

The next payment due date on the loan must be at least five calendar days in the future.

A $25 fee applies for loans with a balance of over $10,000. The fee can be paid from your SPIRE accounts or added to your loan balance. Fee is charged per loan skipped. Loan balances under $10,000 do not incur a fee.

A skipped payment can be performed once every calendar year.

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.
 

How to Apply

To see if your loan qualifies, login to SPIRE Digital Banking and select Skip-a-Pay from the More menu. You can also ask about your qualification and process a skip payment by contacting us or visiting your local SPIRE branch.
 

Take the Next Step

Helping you reach your financial goals is our goal. Take advantage of Skip-a-Pay today by logging in to SPIRE Digital Banking to apply.
Login to SPIRE Digital Banking

 
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