LOCATIONS ABOUT CONTACT JOIN SAVE & SPEND BORROW PLAN LEARN Holiday Skip-A-Pay Keep your cash. Skip a payment. The holiday season brings the sense of togetherness we crave all year, but it can also bring financial stress. That's why we offer Holiday Skip-a-Pay so you can skip your November, December or January loan payments. Here's how it works You can skip your eligible loan payment once per calendar year for a fee. A six-month payment history is required to skip a loan payment, and you can skip payments on multiple eligible loans during at once. Eligible loans Auto loans Personal (signature) loans Motorcycle loans Toy loans (RV, ATV, etc.) Skip-a-Pay fee: $25 If you don't have funds in your account to cover the fee, our system will add the fee onto your loan balance by default. Please make sure to have funds available before applying if you're not OK with this. SKIP YOUR PAYMENT Holiday Skip-A-Pay Program FAQs What loans are eligible for Skip-a-Pay? What if I already skipped a payment on my loan this year? If How far in advance do I need to apply to Skip-a-Pay? What if I have automatic payments setup on my loan? Is there a fee to Skip-a-Pay? Holiday Skip-A-Pay Program Disclosure Oregonians reserves the right to deny this benefit to anyone who has not made scheduled payments on time. Holiday Skip-Pay is not available on loans during the first six months of the loan agreement, and it is not available to anyone who has not made continuous payments for the last six months. This offer is NOT applicable to credit lines, mortgage loans, home equity loans or past-due loans. Under most circumstances, one Skip-Pay request is allowed per calendar year. Finance charges will continue to accrue on a daily basis at the Annual Percentage Rate set forth in your loan agreement, both during and after the deferral period. This means that this deferral of scheduled payments will result in paying a higher total finance charge and possibly a greater total number of payments. In all other respects, the provisions of your original agreement remain in full force and effect. Skipping a loan payment will extend your loan term past the original amortization schedule. Your next monthly payment will include the finance charges from the skipped month. Monthly fees for debt protection will still be added to the loan balance on the skipped month. Skipping a payment may reduce the amount of GAP claim; please refer to your GAP policy for complete information. ACCOUNT ACCESS SIGN IN Sign Up APPLY NOW LOCATION FINDER PLANNING TOOLS Featured It's a Money Thing Video 2:02 Read Our Blog! Your source for financial advice, fraud tips, community events and the latest news! Federally Insured by NCUA: Your savings are federally insured to at least $250,000 by the National Credit Union Administration (NCUA) and backed by the full faith and credit of the United States Government. If you are using a screen reader and are having difficulties using our website, please call (503) 239-5336 for further assistance. Careers Privacy & Disclosures Avoiding Foreclosure Site Map © Copyright 2021, Oregonians Credit Union. Phone: (503) 239-5336 Routing # 323075709 Web Design by Avtec Media. SEARCH