Skip-a-pay to fill the sleigh!
Skip-a-Payment
How to skip a payment
Select your loan type to view instructions.
Credit cards
Auto and personal loans
Credit cards
Credit cards
Skip your December payment without a penalty. This offer is available to members who haven’t exceeded their credit limit and are current on all loan payments.¹
Here's how it works:
- If you have direct deposit, automatic payment or payroll deduction credit card payments, please call 1-800-748-4302 a minimum of five days prior to your payment date and provide authorization to override your automatic credit card payment during the month of December.
- If you do not make your payment via direct deposit or payroll deduction, no action is necessary to skip December’s payment.
- Your regular payment schedule will resume in January 2026.
If you choose not to take advantage of this option, simply make your payment as usual.
Auto and personal loans
Auto and personal loans
For just $25, you can skip your December auto or personal loan payment. It’s a simple way to de-stress your budget this holiday season.²
Request your skip-a-pay at least five days before the due date in one of three ways:
- Use online banking or our mobile app—Log in to your account and select Skip-a-Pay from the Loans & New Accounts menu.
- Stop by a branch—Visit any Mountain America branch, and a team member will be happy to assist you.
- Contact the service center—Call 1-800-748-4302 to set up your payment deferral.
Please note: If your loan payment is scheduled through Quick Payments, you will need to call the service center at the number listed above to set up your skip-a-pay.
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- Payments on your credit card account must be current as of 11/30/25. You cannot be delinquent or late on any loan account as of that date. Your charges cannot exceed the credit limit. Interest will continue to accrue through December (the non-payment period). This limited-time offer ends 12/31/25 and can change or be withdrawn at any time.
- Deferring payments is not automatic and must be requested at least five days prior to the payment’s due date. Members must make a minimum of one loan payment prior to being eligible to skip a payment. A skip-a-pay can be performed every 90 days with 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-pay 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 and interest will continue to accrue. The postponed payment will be added to the end of the loan, which will extend the loan term by one month. Other restrictions apply.
Credit cards
Skip your December payment without a penalty. This offer is available to members who haven’t exceeded their credit limit and are current on all loan payments.1
Here's how it works:- If you have direct deposit, automatic payment or payroll deduction credit card payments, please call 1-800-748-4302 at least five days prior to your payment date and provide authorization to override your automatic credit card payment during the month of December.
- If you do not make your payment via direct deposit or payroll deduction, no action is necessary to skip December’s payment.
- Your regular payment schedule will resume in January 2025.
If you choose not to take advantage of this option, simply make your payment as usual.
Auto and personal loans
For just $25, you can skip your December auto or personal loan payment. It's a simple way to de-stress your budget this holiday season.2
Request your skip-a-pay a minimum of five days before the due date in one of three ways:
- Use online banking or our mobile app—Log in to your account and select Skip-a-Pay from the Loans & New Accounts menu.
- Stop by a branch—Visit any Mountain America branch, and a team member will be happy to assist you.
- Contact the service center—Call 1-800-748-4302 to set up your payment deferral.
Please note: If your loan payment is scheduled through Quick Payments, you will need to call the service center at the number listed above to set up your skip-a-pay.
