It's the Sweetest Deal of the Season!
Some holiday traditions can depend on the weather but there's one that is certain to come out fresh from the oven without fail: ITCU's Skip-A-Pay is once again available to bring a smile to your face and free up cash for when you need it most.
This limited-time opportunity allows qualifying members to skip their next loan payment (or two), making end-of-year merriment a sweet treat to enjoy!
Those extra funds you save by “skipping” can go a long way:
Skip‑A‑Pay gives you the flexibility to make the most of the season—on your terms.
Let’s say your monthly car payment is $475. If you skip one payment (for a $50 fee), you’ll keep $425 in your pocket for summer priorities.
Skip two payments (for $100), and you could free up even more extra cash.
(Offer good Monday, November 2, 2026, through Thursday, December 31, 2026.)
(Please allow up to three (3) business days for processing; processing fee must be in account before application processes. You will be notified by email when your request has been reviewed/processed.)
*Interest will accrue during deferment period. At the time of this campaign, not all loans are eligible for this promotion, including credit cards, lines of credit, CD secured loans, real estate (including mortgage and home equity), any loans which have reached maximum annual/lifetime skip counts, loans with collateral protection insurance, loans opened on or after July 1, 2026, and loans that do not have at least 6 months of on-time payment history. Current or past payment delinquency may also affect eligibility. This is not an application for credit and interest will continue to accrue during any granted deferment period. Requests will not be accessed, granted, nor completed until applicable fees are collected. Forms must be received at least five (5) days prior to the next payment due date to ensure same month processing if deferment is granted. Forms received within five (5) days of payment date may be held to skip the following payment date if deferment is granted. Offer is not transferable. Other criteria or restrictions may apply at the discretion of ITCU. For auto loans only: If GAP (Guaranteed Asset Protection) was purchased, skipping more than one monthly payment during the life of the loan may affect future potential claims (see GAP Waiver Addendum for details). Offer good November 2 - December 31, 2026.
