Unlock Extra Cheer with Skip-A-Pay!

Start the year on a high note by participating in our Skip-A-Pay program! Whether planning a post-holiday getaway or looking to treat yourself in the New Year, this program allows you to skip a payment and use the extra cash for what matters most.

How to Participate:

  • Fill out the information below and click submit.
  • Submit the form 3 business days before your loan payment is due.

Skip-A-Payment Guidelines:

  • A one-time fee of $25 per loan applies.
  • Submission of the form does not guarantee program participation.

Eligible Loans:

Valid for Lifestyle, Personal, Auto, or Recreational Loans. This excludes Visa® Credit Cards, Certificate or Share Secured Loans, Personal Lines of Credit, Mortgages, Home Equity Loans, and Delinquent Loans.


  • All TENCU accounts must be current1 and in good standing2.
  • Loans must be open for at least 6 months with 6 consecutive payments made.
  • Delinquent3 accounts are not eligible.
  • Mortgage, home equity, and credit card accounts are excluded.
  • Loans extended in the last 6 months or twice in the previous 12 months are not eligible.
  • Loans protected by GAP4 are allowed five payments over the life of the loan.

How It Works:

If you have multiple loans, you can skip a payment on each. Choose the month you want to skip without affecting your credit. Complete a separate form for each loan and let us know how you want to handle the processing fee – we'll take care of the rest!

Skip into the New Year! Don't miss the chance to relax your budget. Fill out the form below – it's quick, easy, and designed for convenience!

  • OK Member Name is required
  • OK Member Account Number is required
  • OK Loan Number is required
  • OK Phone Number is required
  • By clicking submit, you agree to the above qualifications and authorize Ten Credit Union to process the $25.00 application fee. Skip-a-Pay approval based on qualifications listed above. Your request for a skip-a-pay‚Äč will not be finalized until a TENCU employee is able to speak with you and confirm your request.

  • OK is required
  • Skip-A-Pay Terms: You understand there is a $25.00 processing fee for each loan skipped. The processing fee does not reduce the principal balance. You understand that interest will continue to accrue on the outstanding balance and may result in higher total finance charges on your loan and will extend the term of your loan. You understand if your loan payment is made through payroll deduction, the payment will be deposited to your regular savings account or other TENCU account designated by you for any excess. You understand if your payment is made by automatic debit from another financial institution that it will be stopped for the month you are skipping and that it will be reinstated for the following month provided this request is received by TENCU at least 3 business days before the loan payment is due. You understand if the correct fee amount is not enclosed or if you do not have sufficient funds in the TENCU account designated by you for payment of the fee that this request will not be processed. All borrowers agree to the above terms and all borrowers must sign.

    1 Current is less than 30 days past the scheduled payment date.
    2 Good Standing - defined as no overdrawn share/checking accounts.
    3 Delinquent- defined as 30 days or greater past the scheduled payment date.
    4 If Your Loan does not exceed any of the Maximum Protected Loan Terms, the Protected Balance is the unpaid Loan balance on the date of a Total Loss or Theft Loss minus any amount that is due on account of more than 5 Skipped Payments per loan.