Notifications

  • Following some recent Android updates, some members may have difficulty accessing the Gesa Mobile Banking app on their Android devices. We are aware of the issue, and our team is actively working to get the app back up and running as soon as possible. In the meantime, we recommend using Digital Banking from your web browser to access your accounts. Thank you for your patience and for being a member of Gesa Credit Union.

Skip-A-Payment

Applying for a Skip-A-Payment is quick and easy! Simply fill out the form below and submit it electronically.

Note: Before submitting your Skip-A-Payment application, be sure to cancel any external automatic payments that are currently set up through Xpress Digital Banking, Bill Pay, or other financial institutions in order to avoid any unexpected deductions. Make sure to resume your automatic payments after the skipped month has passed.

If you have made a payment on your loan today you must wait 24 hours to apply to Skip-A-Payment for your next loan payment period.

A $35 processing fee is required for all qualifying Skip-A-Payment applications. We accept payment by debit card, or by your Gesa checking or savings account, in the ‘Fee Payment Account’ field below.

Once you have submitted your application, you should receive a confirmation message via the email that you provide below. If you do not receive your confirmation within a few minutes of submitting your application, please re-submit, as this may mean your application did not successfully submit.

In order to qualify for Skip-A-Payment:

  • The loan or credit card must have been open for at least 12 months at the time of the Skip-A-Payment application
  • There must be at least 11 months between your last skip and the date of your new Skip-A-Payment application
  • You must be in good standing with all Gesa accounts and loans. For credit cards, you must have an available balance greater than $0.00
  • There must be no return check fee balance greater than $25 or late fee balance greater than $25 on your loan or credit card
  • You must have full coverage insurance on your vehicle loan

Basic Information
Account Information

If you are within 5 days of your due date, we will make every effort to process your request in time if approved. However, we cannot guarantee that the extension will be processed in time for the month requested.

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Other Information

By your electronic signature above and submitting this Skip a Payment request, you agree to the Loan Extension Terms and Conditions, which amend your Consumer Loan Agreement.

*Some limitations may apply. Excludes FastCash, Mortgage Loans, and Lines of Credit. Contact the credit union for full program details.

Frequently Asked Questions

What is Skip-A-Payment?

Skip-A-Payment is a program that allows you to skip your monthly payment on your auto, boat/RV, personal loan, or credit card.

Am I eligible for Skip-A-Payment?

The loan or credit card must have been open for at least 12 months at the time of the Skip-A-Payment Application. Members must also be in good standing with loans or credit cards in active status and have not utilized Skip-A-Payment the previous 11 months are eligible. Credit cards must have an available balance greater than $0.00. There must be no return check fee balance greater than $25 or late fee balance greater than $25 on your loan or credit card. You must have full coverage insurance on your vehicle loan. Loans not eligible for Skip-A-Payment include: Lines of Credit (LOCs), FastCash loans, and mortgage loans.

How do I submit a Skip-A-Payment application?

Skip-A-Payment applications can be found by selecting 'Submit Application' above. Once you have completed your application, simply click 'Submit.'

Is there a fee to skip my payment?

Yes, A $35 processing fee is required for all qualifying Skip-A-Payment applications. At this time, we accept payment by debit card, or Gesa Savings or Checking account, in the ‘Fee Payment Account’ field below. Once payment is received, the Skip-A-Payment application will be processed within five business days.

How will my loan or credit card be impacted?

The payments that you skip for your loan, will be added on to the end of your loan term, therefore extending the term of your loan. Interest will continue to accrue during the months that you skip for both loans and credit cards.

How far in advance of my loan payment due date must I submit my Skip-A-Payment application?

You can request the skip as long as your loan is less than 30 days past due.

How many times can I skip my payment?

You are able to utilize the Skip-A-Payment programs as long as there have been 11 months between your last skip and the date of your new Skip-A-Payment application and as long as you continue to meet the eligibility requirements.

What if I have automatic payments in place?

Before submitting your Skip-A-Payment application, be sure to cancel any external automatic payments that are currently set up through Xpress Digital Banking, Bill Pay, or other financial institutions in order to avoid any unexpected deductions. Make sure to resume your automatic payments after the skipped month(s) have passed.