Skip-a-Payment Request | Sunward
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Skip-a-Payment on Select Loans

Need a little extra breathing room in your budget? Skip a loan payment when expenses run high or the holidays hit your wallet. Request to Skip-a-Pay – then simply pick up your regular payment schedule the next month.

Your payment frequency determines how many payments you will skip with a single Skip-a-Pay request.

  • A monthly schedule will skip a single payment.

  • A biweekly or semimonthly schedule will skip two payments.

  • A weekly schedule will skip four payments.

Sunward allows members in good standing to skip eligible loan payments twice within a calendar year, starting November 1, 2025. However, interest will continue to accrue on your loan. The skip-a-payment benefit is available for auto loans, signature loans and CreditLines, and savings-secured loans.

Requests to skip a monthly payment can be made by submitting the form below or at any branch and must be received no later than the payment due date. Please note that new loans without one month of payment history are ineligible for Skip-a-Pay.

You are requesting to defer your loan payment with Sunward. Approval is not guaranteed. To qualify, your Sunward accounts must be in good standing with no unpaid debts, outstanding fees, or delinquent accounts. Your loan must be current, and at least one (1) regular payment is required before requesting a Skip-a-Pay. Eligible loans include Auto Loans, Signature Loans, Signature CreditLines, Savings Secured Loans and Savings Secured CreditLines. Ineligible loans include Credit cards, Mortgages, Home Equity CreditLines, Single-Pay Loans, Buy Now Pay Later Loans, Student Loans, Business Loans, and members who already have a loan extension or are enrolled in Sunward’s Fresh Start Repayment Plan.

Starting November 1, 2025, you may skip up to two (2) payments per calendar year for a maximum of ten (10) Skip-a-Pays over the life of the loan. Any Skip-a-Pays requests applied prior to November 1, 2025, in the 2025 calendar year will count toward the two (2) per year limit. A calendar year is defined as January through December.

You agree and understand that: 1) A Skip-a-Pay fee of $25.00 will either be added to the principal balance of your loan or withdrawn from your selected account; 2) Finance charges (interest) will continue to accrue daily at your current loan rate during the deferral period; 3) Deferring your payment will result in you having to pay higher total finance charges (interest) than if you made your payments as originally scheduled; 4) This payment deferral will extend your loan term and you will have to make extra payment(s) after your loan would otherwise be paid off; 5) You will be required to resume your regularly scheduled payments following the deferral period; and 6) You agree and understand that Sunward will advance your next due date for the loan payment. If your loan payment is normally paid through Bill Pay, payroll deduction, or an automatic transfer you set up in online or mobile banking, you are responsible for cancelling the skipped payment(s) before it is processed. You must also re-establish the payment before your next scheduled due date. Sunward has no liability for failure to do so. If you have automatic or scheduled ACH payments, you must submit your Skip-a-Pay request at least three (3) business days before your payment due date to allow sufficient time for processing and to prevent the payment from being pulled.

Payments made after the deferral period will first be applied to any accrued interest and then to principal. If you elected GAP insurance, coverage may not extend beyond the original maturity date and other restrictions and/or exclusions may apply. Refer to your GAP contract for details. All other terms of your loan will remain in full force and effect.