Skip your next SFCU loan payment with Skip Pay!
What Is Skip Pay?
Need a little extra room in your budget? Use Sno Falls Skip Pay to defer one payment on your current Sno Falls loan(s).1 Skip Pay requests can be made within 30 days of your loan payment due date for eligible loans.
Starting October 2025, you’ll be eligible to use Skip Pay once per year. Any skipped payment will be added to the end of your loan’s term. Sno Falls will charge a small processing fee of $25.00 for each skipped payment.
To submit a request, please click the button below.
Terms and Conditions Apply
Qualifications
• Your Sno Falls account(s) must be in good standing to apply for Skip Pay.
• Your loan must have at least 3 consecutive payments made prior to the skipped payment. Skip Pay can only be used once every 12 months on any eligible consumer loan(s).
• Your loan must be under a 120 month term.
• You cannot have any loan delinquency for more than 30 days.
• Auto, Sport Vehicle, Motorcycle, Line of Credit and Consumer loans are eligible for Skip Pay.
• HELOC’s, Mortgages, Boat2, RV2, Business and Commercial loans, Delinquent loans and loans over 120-month amortization are not eligible for Skip Pay.
How To Use Skip Pay
Skip Pay requests can be made within 30 days of your loan payment due date for eligible loans. We are no longer mailing physical Skip Pay forms.
You can use Skip Pay for any loan that qualifies. You must submit one Skip Pay request per loan.
- Log into SFCU Online Banking or our app. Need to make an account? Select Register, then follow the below steps.
- Select Move Money
- Select Skip Payment
- Choose Your Loan3 For Skip Pay
- Acknowledge the Processing Fee
- Confirm & Submit Your Request
Having trouble submitting your Skip Pay request in Online Banking? Use our secure digital form, or email our North Bend Lending Center at loans@snofalls.com
Questions?
There is nothing more important to us than our members and the opportunity to better serve you. For questions or concerns related to Skip Pay, please email us at loans@snofalls.com. You may also visit us in person at our Lending Center.
Skip Pay FAQ
How is my loan interest affected during Skip Pay?
Interest continues to accrue during the extension month at the agreed-upon rate stated in the loan agreement. Skip Pay will extend the loan period by one month.
When can I use Skip Pay?
Starting October 2025, or from your last Skip Pay date (whichever is later), you’ll be eligible to use Skip Pay once per year.
Requests must be received at least 30 days prior to your loan payment date in the month you would like to use Skip Pay.
I have multiple loans through Sno Falls. Can I use Skip Pay for all of them?
Yes. You can use Skip Pay for any loan that qualifies. You must submit one Skip Pay request per loan.
What types of loans are eligible for Skip Pay?
Auto, Sport Vehicle, Motorcycle, Line of Credit and Consumer loans are eligible for Skip Pay. HELOC’s, mortgages, business and commercial loans, delinquent loans and loans over 120-month amortization do not qualify.
Will I be penalized for Skip Pay?
No. Skip Pay won’t negatively impact your credit rating or loan interest rate. Sno Falls will charge a small processing fee of $25 for each deferred (skipped) payment. The skipped loan payment will be added to the end of your loan term, and it will not be due at a sooner date.
What if I have automatic payments scheduled for my loan?
If you have automatic payments initiated by Sno Falls, the next payment date will automatically update with your new due date.
If you have automatic payments initiated by your other Financial Institution through a bill pay system, you will need to update your payment date with them directly.