New Skip-a-Payment Program

Happy Dad and Daughter

Take a Break with RadiFi’s Skip-a-Payment Program!

Life is full of surprises—sometimes, a little financial breathing room is just what you need. At RadiFi Credit Union, we understand that our members may face unexpected expenses or simply want to enjoy a little extra flexibility in their budget. That’s why we’re excited to introduce our Skip-a-Payment Program!

What is Skip-a-Payment?

Our Skip-a-Payment program allows eligible members to defer one monthly loan payment, freeing up funds for other priorities. Whether it’s covering holiday expenses, planning a vacation, or handling unforeseen bills, this program is designed to provide peace of mind when you need it most.

How Does It Work?

Participating in the Skip-a-Payment program is simple and convenient. Here’s how it works:

    1. Eligibility Check: To participate, you must meet certain eligibility criteria, which can be found on our Skip-a-Payment page.
    2. Select Your Loan: Eligible loans include personal loans, auto loans, and other qualifying loans. Not all loans qualify for this program.
    3. Submit Your Request: Complete the easy online form,  visit a branch, or call us at 904-475-8000 to request your skip-a-payment. There is a $35.00 processing fee for each skipped payment.
    4. Skip Your Payment: Once approved, you’ll skip the selected payment, giving you some extra cash in your pocket.

Benefits of Skipping a Payment

  • Budget Flexibility: Redirect your payment amount toward other priorities.
  • No Credit Impact: Skipping a payment won’t negatively affect your credit score.
  • Quick & Simple Process: We’ve made it easy to apply online or in person.

Who Can Participate?

The Skip-a-Payment program is available to members in good standing with eligible loans. Certain restrictions apply, so be sure to review the details on our Skip-a-Payment page or contact our team for assistance at 904-475-8000.

Ready to Skip a Payment?

If you could use some extra financial flexibility, RadiFi’s Skip-a-Payment program is here to help. Take the first step today by visiting our Skip-a-Payment page for complete details and to get started.

At RadiFi, we’re all about empowering our members to make waves in their financial journey. This program is just one more way we’re working to make banking better for you.

Disclosures

RadiFi Credit Union Skip-a-Payment Terms and Conditions

By completing this Skip-a-Payment form and signing below, you are requesting and authorizing RadiFi Federal Credit Union to advance your loan due date. You understand that the current balance of the loan is extended by the amount of the payment skipped and that interest will continue to accrue on your loan balance throughout the deferred payment period, which may further extend the term of your loan. If there is more than one borrower on a loan, only one borrower is required to authorize a Skip-a-Payment request.

To request a Skip-a-Payment, all credit union accounts (deposits and loans) must be in good standing and requests must be submitted at least five (5) business days prior to the next loan due date. Most payments and loan terms are advanced automatically, however certain adjustments are made manually, and changes may take time to be reflected properly. If you have recurring automatic transfers originated from another financial institution, it is your responsibility to stop the transfer. Other financial institution fees will not be refunded. If you have automatic bill payments or online transfers, it is your responsibility to modify the payment and/or transfer dates. Skipping your payment on an auto loan with GAP insurance may affect your coverage and coverage calculation in the event of a total loss. Certain additional restrictions may apply, and RadiFi Federal Credit Union reserves the right to deny any Skip-a-Payment request.

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