Skip Your Next Loan Payment

With Skip-A-Pay!

Skip-A-Pay is a unique program which allows you to skip a payment on qualified loans you have with 1DCU. It's a great way to give yourself a break during the holidays, for summer travel, or anytime of year! Skipped payments will be added to the end of your loan and interest will continue to accrue during the period when the loan payment is skipped. 

You're not limited to just one loan. You can use Skip-A-Pay on any qualified loans you have with 1DCU. 

Skip-A-Pay Is Now Online

It's easier than ever to request Skip-A-Pay. The entire process can be completed online in less than two minutes. 

Enjoy Twice The Freedom

You can now request Skip-A-Pay two times per year (every six months). 

Is there a cost for Skip-A-Pay?

Yes, there is a $35 fee per loan. Please note that in order to request a Skip-A-Pay, a fee of $35 per loan must be paid from the available funds in a One Detroit Credit Union account.

Can anyone Skip-A-Pay?

All 1DCU members may request Skip-A-Pay on any loans you have with 1DCU. Requests are subject to approval, and your loans must be in good standing in order to be eligible for Skip-A-Pay. 

Which loans are eligible for Skip-A-Pay?

The following loans are eligible for Skip-A-Pay:

• Auto Loans
• Holiday Loans
• Personal Loans
• Share Secured Loans
• Summer Loans
• Unsecured Loans

The following loans are NOT eligible for Skip-A-Pay:

• Borrow & Save
• Home Equity Line of Credit
• Home Equity Term Loans
• Mortgages
• MyPay Today
• Revolving Lines of Credit
• Visa Cards
• Zero Percent Interest Rehabilitation Loan
• Other-Secured Recreational Vehicle loan type exclusions:
  • Motorcycle / Off-Road Motorcycle Loans
  • Boat Loans
  • Recreational vehicles (RVs) including Travel Trailers and Fifth Wheels
  • Snowmobiles
  • Jet Skis
  • All-Terrain Vehicles (ATV)

Can I request to skip my loan payment that's due tomorrow?

Unfortunately, no. Skip-A-Pay applications must be submitted at least 2 business days prior to the due date of the payment you want to skip.

How can I request Skip-A-Pay?

Please use our mobile-friendly online form by clicking the button below. Once you complete the online form, you will receive an email confirmation that your request is being processed. Please allow seven business days for your request to be processed.