*Offer is subject to final approval by F3 Credit Union. The request must be received during the promotional period of November 1 – December 31, 2026, and on or before your payment due date. Only one payment per loan type may be skipped. You may only skip two payments per calendar year and skips cannot occur in consecutive months. Your loan must be open at least 120 days. Calendar year is defined as January – December. Only five skips are allowed for the life of the loan. Skip-A-Pay offer applies to loans in good standing and only includes auto loans and personal loans. Loans with CPI do not qualify. There is a $40 skip fee per loan and will be deducted from your account. If loan is held jointly all owners must agree. Finance charges will continue to accrue daily at the Annual Percentage Rate set forth in the loan agreement, both during and after the deferral period. This means it will result in higher total finance charges and possibly a higher total number of payments than if made as originally scheduled. Therefore, extra payment(s) may/will have to be made after the loan would otherwise have been paid off. In all other respects, the provisions of the original agreement remain in full force and effect. Regularly scheduled payments will resume with the payment due during the month following the deferral. This may affect GAP coverage on your loan. Current insurance information must be on file for auto loans.