Make a little wiggle room in your Budget. 

Our skip-a-pay* program allows borrowers to occasionally skip a loan payment on qualifying loans in the event you need a little extra cash.

Find out if you're eligible to skip your loan payment:

  • You can securely and quickly complete your request electronically in digital banking.
  • Or complete the Skip-a-Pay form and return it to one of our branches.

Skip-a-pay is available on vehicle loans**, personal loans, and personal lines of credit.

A $30 processing fee will be charged for each loan payment skipped.

Login to Digital Banking to apply to skip your loan payment:

ONLINE BANKING

  • Under the 3 dots (•••) in the top menu bar,select "Skip-A-Pay" from the drop-down menu

  • Complete and submit the application

    Login to digital banking 

MOBILE BANKING

  • Select "Menu"

  • Select, "More" from the options

  • Select "Skip-A-Pay" from the menu

  • Complete and submit the application

    Available on the “APPLE” App Store       Get it on Google play. 

IMPORTANT: You must have at least $30 in your account for each loan payment you would like to skip. A $30 processing fee will be charged for each loan payment skipped.
 

Mail-In or visit a branch 

Complete the Skip-a-Pay form and mail it to West Community Credit Union, 4161 Hwy K, O'Fallon MO. 63368, or bring it to a branch near you.

 

Download sKIP-A-PAY FORM

 

*This program is available for all loans except; home equity products, credit cards, loans originated for less than $600, and mortgages. Loans must be in good standing, have had at least one payment since origination, have not had other payment deferments in the past six months, have not already skipped six payments during the term of the loan and meet additional eligibility limitations which may apply. During the Skip-a-Pay period, normal finance charges will continue to accrue and be payable with the last payment resulting in extending your loan term one month. If your loan payment is being debited from another institution, your authorization on this form will cancel it for the month selected. Please contact Member Services for more information. All borrowers must sign. 

**Please note: Skipping more than one payment per year may impact your GAP insurance coverage limits (if applicable).