Loans that qualify for Skip-A-Pay

  • New and used vehicle loans
  • New and used recreational vehicle loans
  • Original loan term of 60 months or less

Easily apply for Skip-A-Pay one of the following ways

  • Online via SPIRE Internet Banking
    Once logged into your SPIRE account, select “Services” from the top menu then choose “Skip a Loan Payment” and complete the short form.
  • Call 651.215.3500 and speak with a SPIRE representative
  • Stop by the nearest SPIRE branch location

Skip-A-Pay 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.

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Founded in 1934, SPIRE upholds the values of honesty, integrity and hard work. We strive to make it easy to do business with us and truly care about our members.