Skip a Payment

SKIP A PAYMENT REQUEST

There are times when you could use some financial breathing room. Our Skip-a-Pay program could provide the relief. If you need to free up funds, you could put a pause on your monthly Scient consumer loan payments and put that money to use elsewhere. It's a smart option when unexpected expenses arise or when you need extra money for holidays or vacations. Just fill out the form below to get started.

Do you have more than one loan? You can skip one payment on each of your Credit Union loans. A Skip-Pay fee of $30 per loan skipped will be charged. Please see conditions below.

Name *

Member # *

Street Address *

City, State, & Zip Code *

Modified loans, mortgage products, lines of credit, or Scient branded Visa cards are not eligible.

Loan #1 *

Skip these months *

Loan #2

Skip these months

Loan #3

Skip these months

Preferred method of contact information *

Payment Account (Account where fee will be deducted):

Payment Account Details:

Account or Card Number *

Expiration Date

Routing/ABA Number

Name on Account or Card *

By submitting the Skip-a-Payment form, you authorize Scient Federal Credit Union to advance your loan due date by one month and understand that this will extend the maturity date of your loan. A $30 processing fee will be deducted from your indicated payment account for each loan and for each month you choose to skip. Interest will continue to accrue on the unpaid balance during the month you skip your payment, and when payments resume the following month, the unpaid interest will be collected first. To qualify for the Skip-a-Pay program, your Scient Federal Credit Union account(s) must be in good standing. Not applicable on modified loans L20 or L21, mortgage products, lines of credit or Scient Visas. Requests must be received prior to payment due date. Interest will continue to accrue and may exceed payment. An administrative fee, per loan, per month, will be required every time you request a skipped payment. New loans that have not had at least four (4) payments are not eligible. Cannot be used to resolve any past due status. Loan term extended one (1) month for each skipped payment. A maximum of two (2) skipped payments per loan, per year and no more than two consecutive skipped payments allowed. Other restrictions may apply. Please be aware of additional circumstances that may apply to your loan: If the loan payment is an automatic withdrawal set-up with SFCU, SFCU must receive the skip-a-pay request three (3) or more business days before the withdrawal due date to ensure the ACH payment will not be transferred to Scient for the month skipped. (Please see our Disclosure for EFT & Wire Transfer Notification for more details). If the loan payment is an automatic withdrawal set-up at another Financial Institution, you will need to cancel the payment at that Financial Institution for the month skipped. Scient cannot stop a payment that has been set up at another financial institution.

Thank You. We will be in touch with any further questions!