Skip-A-Payment

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 Online 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
  • You must not be within 5 days of your current payment due date
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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.

*A $35 fee must be paid by debit card or be deducted from your Gesa savings or checking account. The skip will not be processed until the fee has been collected.

This offer is not valid for mortgage, home equity line of credit loans, fixed home equity loans, lines of credit, business loans, loans opened less than 12 months, or delinquent loans.  No skip requests will be honored until your loan(s) is brought current. Your normal payment schedule will resume the following payment period after the skip. Skipping a payment will require you to make additional payments in order to pay off the loan(s). Interest will continue to accrue on the current loan(s) balance. The next regular payment(s) you make following an extension will reflect a higher amount paid to interest. Note for auto loans: Skipping a payment may affect payment protection and GAP coverage; check your agreement for details. This offer is non-transferable and non-refundable. One skip per qualified loan every 12 months. Other exclusions may apply.