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Skip-A-Pay Program

Skip-A-Pay Program

Postpone your next payment today

Have questions?

Check out our frequently asked questions.

Flexible payment options with Skip-a-Pay

The Skip-a-Pay program allows our Members to choose when they would like to postpone or “skip” eligible loan payments. This feature is available year-round and is designed to help you when unexpected expenses arise or when you need a little extra cash. Take advantage of Skip-a-Pay twice a year by simply paying a $25.00 service fee, and the postponed month will be added to the end of your loan term. Get started today and see if you qualify to skip your next payment!

Quick and easy processing online

This process has no physical forms, making it easy to access and request.

How to access Skip-a-Pay from a mobile device:

  1. Log in to TDECU Digital Banking and navigate to the Menu
  2. Select “Service Center”, then “Skip-a-Pay”
  3. Follow the prompts through Tyfone to see your eligible loans

How to access Skip-a-Pay from a desktop:

  1. Log in to TDECU Digital Banking and navigate to the Service Center
  2. Select “Skip-a-Pay”
  3. Follow the prompts through Tyfone to see your eligible loans
Need to enroll in TDECU Digital Banking?

Enroll now to enjoy Skip-a-Pay and more secure and reliable benefits of Digital Banking.

By participating in the TDECU Skip-a-Pay program, the following terms apply:

1. *Program Eligibility**: The Skip-a-Pay program is subject to approval, and not all loans may be eligible. Skip-a-Pay requests must be received five days prior to loan payment due date. 2. Interest Accrual: Interest will continue to accrue on your loan during the skipped month. This may extend the original maturity date of your loan. 3. Loan Terms: By skipping a payment, the life of the loan may be extended. 4. Fair Credit Reporting Act (FCRA): TDECU complies with the FCRA. If you choose to skip a payment under this program, it will not be reported as a missed or late payment to the credit reporting agencies. 5. Fees: There may be a fee to participate in the Skip-a-Pay program. This fee will be disclosed at the time of the request and is non-refundable. 6. Limitations: You may be limited to a certain number of skip-a-pay requests during the life of the loan or within a calendar year. Skip-a-Pay transactions may affect GAP Insurance coverage. See your GAP Insurance contract for details. This offer excludes Real Estate loans, Parent/Student Survival loans, Tuition loans, Business loans, Mastercard® and VISA® Credit Card accounts, loans with Collateral Protection Insurance. 7. Other Agreements: Participating in the Skip-a-Pay program will not affect any other agreements you have with TDECU. By submitting a request to participate in the Skip-a-Pay program, you acknowledge and agree to the terms stated above.