Loan payment extension program
Loan Skip-a-Pay
Stretch your budget further with our loan deferral program that lets you skip up to two loan payments a year.
Defer loan payments with Skip-a-Pay
Get the peace of mind you need with Mountain America's skip-a-pay loan extension program. It's a convenient way to defer loan payments to help cover unexpected costs like holiday expenses, medical bills and tax payments.
What skip-a-pay includes
- Skip up to two payments per 12-month period.*
- Utilize this program on most auto and personal loans.
- Pay only $25 per skip.
How to skip a loan payment
Skipping a loan payment is easy and only takes a few minutes.
Online banking
- Log in to online banking.
- Select Skip-a-Pay from the Loans & New Accounts menu.
- Choose the appropriate loan.
- Select your preferred payment method for the $25 fee.
Mobile app
- In the menu, tap More.
- Tap Loans & New Accounts and then select Skip-a-Pay.
- Choose the appropriate loan.
- Select your preferred payment method for the $25 fee.
Mobile App
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*Deferring payments is not automatic. Members must make a minimum of one loan payment prior to being eligible to skip a payment. A skip-a-pay can be performed a maximum of twice per rolling 12-month period on a given loan and up to four skipped payments over the life of the loan—however, extensions requested from November 1 to December 31 are considered holiday skip-a-pays and do not count toward the four skip-a-pay max. Skip-a-pay is not a forgiveness of the monthly payment, but rather a deferment of the payment. The postponed payment will be added to the end of the loan, which will cause the final payment to be due later than usual. Interest will continue to accrue for the deferred payment. Members must request the skip-a-pay at least five days prior to the payment’s due date. Other restrictions apply.
