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Home - Emporia State Federal Credit Union

Skip a Payment

Your ESFCU Board of Directors has announced a new loan program to help members who may be affected by the Coronavirus (COVID-19). 
     
This Skip Payment Program will help those members who have been laid off or are unemployed due to the pandemic.  Members may skip up to 3 payments per loan.  Deferral requests will be evaluated on a month by month basis.  This program applies to all consumer loans, credit cards and HELOC loans. 
 
In order to qualify for the Skip a Payment program, your consumer loan, credit card or HELOC loan(s) must be in good standing. ESFCU skipped payments are subject to approval under ESFCU policies.  

All processing fees will be waived but remember that the interest continues to accrue on your account and extends the term of the loan. Some restrictions may apply.

If you have a Total Loss Claim on your vehicle and have purchased Guaranteed Auto Protection (GAP) coverage, a skip a pay may reduce your GAP coverage by the amount of my monthly payment plus any skip pay fee.  (Please contact your ESFCU loan officer for specific details).

To request to skip your loan payment, fill out and submit the form below.

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Personal Information

Loan Information

Skip Month

Acknowledgement for Skipping a Payment

In order to qualify for the Skip-a Payment program, your loan(s) must be in good standing.  ESFCU skipped payments are subject to approval under ESFCU policies.  You may request to skip up to 3 loan payments per loan. Deferral requests will be evaluated on a month to month basis.  Each loan requires a separate request form.  All processing fees will be waived.  Some restrictions may apply.

By submitting this form, I am requesting that my monthly payment(s) be deferred.  I understand that interest continues to accrue on my account and extends the term of the loan.  I understand that If I have a Total Loss Claim on my vehicle and have purchased Guaranteed Auto Protection (GAP) coverage, a skip a pay may reduce my GAP coverage by the amount of my monthly payment plus any skip pay fee.  (Please contact your ESFCU loan officer for specific details).

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