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If you have an auto loan or personal loan with Charlotte Metro, you may be eligible1 to skip a monthly payment for a small deferral fee of $40 per skip2. By skipping a payment, you’ll have some extra cash to put towards other high-priority expenses.
Log in to Online or Mobile Banking and select the Self Service tab to get started.
Select Skip-A-Pay and choose from the eligible loan(s) you’d like to skip.
Simply follow the steps to schedule the payment(s) you'd like to skip!
Charlotte Metro loans that are eligible for the Skip-A-Pay program:
(Unfortunately, mortgages and Home Equity Line of Credit (HELOC) are not eligible for the Skip-A-Pay program. If you need financial assistance for your mortgage or HELOC, please contact our Mortgage team)
Glad you asked! Here’s what you need to know:
You can schedule Skip-A-Pay through Online Banking or by contacting us at 704.375.0183.
1To be eligible for Skip-A-Pay, the loan must be an auto loan or personal loan; the loan is in good standing and not charged-off or delinquent; no delinquent mortgages are associated with the member’s account; loan may not have more than 2 Skip-A-Pays in a 12-month rolling period; the loan is not extended or modified by collections in the last 24 months; the loan must have a minimum balance of $75.00; the loan must not be currently worked on by a Collections Agency; member is not in bankruptcy.
2A $40.00 deferral fee per skipped loan payment will be added to the balance of your loan. Interest will continue to accrue on all loan balances affected by the program, which may cause the maturity date on all loans to be extended. If recent records show that you have been delinquent on the above-mentioned loans for any reason or you are not currently a member in good standing, the credit union reserves the right to deny your application. If you have GAP protection on your loan and / or have already skipped 2 payments in a 12-month rolling period, you may not be eligible for Skip-A-Pay. If you have payment protection on your loan, these charges may continue to accrue. If you have set up payments to be made through another financial institution, payment will still be made unless you stop it. If you skip February’s payment, your next payment will be due in March on the regular due date. If you skip March’s payment, your next payment will be due in April on the regular due date.
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