Skip-A-Pay

For only $25, you can skip an eligible Listerhill loan. So go ahead, take a month off. We've got you covered!

It's like a vacation from your loan.

It's not hard to imagine a month you could use extra cash — especially when things get tight. Whether it's holiday costs or summertime fun, every season can come with all sorts of extra costs. Hold on to some of your cash during those crucial times with Skip-a-Pay!

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Which loans are eligible?

Once a year, for only $25, you can skip a payment on any auto loan, recreation loan, or personal loan with a good payment history for the last 6 or more months. Credit card, mortgage, or other lines of credit are not eligible for Skip-a-Pay.

Skip-a-Pay: Frequently Asked Questions

  • What is Skip-A-Pay?

    Skip-a-Pay is a service by Listerhill Credit Union which allows members to request to skip a monthly payment. The payment is instead added to the end of a loan, essentially extending the life of the loan by one month. This can be a valuable tool in your financial tool belt.

  • Which loans are eligible for Skip-A-Pay?

    Auto loans, recreational loans, and personal loans that have not had Skip-A-Pay applied to them within the last year are all eligible for Skip-A-Pay. This includes boat loans, RV loans, 4-wheeler loans etc. However, home loans, Christmas loans, credit cards, and other lines of credit are not eligible.


  • When should I request Skip-A-Pay?

    In order to have your Skip-A-Pay request processed before your loan payment is due, please submit your skip request five (5) business days in advance of the scheduled payment date.

    Example: If your next loan payment is due on June 20th, you would need to submit your request no later than June 12th.

    Skip-A-Pay may only be used once a year.

  • How do I request Skip-A-Pay?

    Click here to request Skip-A-Pay, agree to do business electronically, and fill out the online form. You must also provide payment for the $25 fee before your loan payment can be skipped. This fee can be transferred from your Listerhill checking or savings account or paid from an outside account.

  • What loans are not eligible for Skip-A-Pay?
    1. Real Estate Loans (1st and 2nd Mortgage and Home Equity Lines)
    2. Business Loans
    3. Lines of Credit (Kwik Kash, Anytime Credit, Overdraft Protection, and Credit Cards)
    4. Christmas Loans
    5. Single Pay Term Loans
    6. Loans with Less than 6 Monthly Payments
    7. Loans Currently Past Due More than 10 Days
    8. Loans that Received Maximum Extensions (six skip pays and/or extensions allowed during the term of the loan)
    9. Workout Loans or Troubled Debt Restructuring (TDR)
    10. Accounts in Bankruptcy
    11. Charged-Off Loans
    12. Loans on Accounts with a Negative Checking or Savings Balance
    13. Accounts with Bad Addresses
    14. Loans that have already had Skip-A-Pay applied to them within the last year.
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Skip-A-Pay Date Calculator

Use this calculator to help you figure out when you should apply for Skip-A-Pay. Just enter the payment date of the loan that you would like to skip and we can help you figure out how soon you should apply.

This calculator does not account for federal holidays and does not guarantee that your request will be approved or constitute an application. Please submit your application at least 5 business days prior to the date of payment. Members may only use Skip-A-Pay once a year.

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Frequently Asked Questions

  • Do you have mobile deposit for checks?

    Yes! You can learn about how to use mobile deposit by logging into online banking and clicking Mobile Deposit. There, you will find step-by-step instructions on how to deposit your checks with your phone. 

  • Are checks free?

    Depending on the type of account you have, free checks is one of our many benefits. If you have a Pick 5, Young At Heart, or Hill Checking Account, you have access to free checks. 

  • How do I view my transactions in the LCU Cards app?

    Once your card is entered into the app, you can tap on the card image to view transactions.

  • Can I see my checking account balance on my debit card?

    No, but you can view pending or posted transactions on your debit card through the app. You can find your checking account balance through Online Banking or through the Listerhill app.

  • How do I add another card to the LCU Cards app?

    Swipe left to enter a new card once you have entered your first card.