
Does your budget need a little wiggle room?
Skip Your Loan Payment
Take a Break from Your Loan Payment
Skip Your Loan Payment Program
If you are a member in good standing with an eligible RadiFi loan, you have the option to skip one month of loan payments during any 12-month rolling period.
Eligible RadiFi Loans for the Skip-a-Pay Program
- Auto Loan
- Personal Loan
- Boat Loan
- Motorcycle Loan
- Recreational Vehicle Loan
- Other Vehicle Loan
- Home Equity Line of Credit (HELOC)
- Line of Credit
Types of loans not listed above do not qualify for the Skip-a-Pay program.
How to Request a Skip-a-Payment
To request to skip your loan payment, you must submit a Skip-a-Payment Request Form and the $35.00 processing fee at least five (5) business days before the due date of your loan to RadiFi Credit Union.
You can submit your Skip-a-Payment Request Form online using the link below:
Online Skip-a-Payment Request Form
You will be asked personal identification questions to verify your identity.
You also have the option to download, print, complete and return to the credit union a Skip-a-Payment Request Form using the link below:
Skip-a-Payment Request Form PDF
If you are struggling to make your loan payments, our Skip-a-Payment Program might not be a good fit for you. Please contact the credit union at 904-475-8000 to discuss other options to help you. We’re here for you.
Questions?
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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.