Member Benefit
Skip a Payment.
Need a little breathing room this month? Pioneer members can temporarily postpone a qualifying loan payment — giving you the flexibility to handle what matters most right now.
$29 Processing fee
2 weeks Advance notice required
1 month Payment deferred
Please note: Skip-a-Payment is not available for mortgage loans or credit cards. It applies to qualifying Pioneer loan accounts only.
How It Works
Four Steps to a Payment-Free Month
1
Choose your month
Decide which month you'd like to skip your qualifying loan payment. You can only skip one payment at a time.
2
Submit at least 2 weeks early
Submit your completed form and $29 fee no later than 2 weeks before your payment due date to allow time for processing.
3
Pay the $29 fee at processing
The $29 processing fee is due at the time of processing. Forms submitted without the fee will not be processed. Interest continues to accrue during the skipped month.
4
Enjoy your payment-free month
Once approved, your payment is deferred. Use that money for what matters most — medical bills, home repairs, or just catching your breath.
Before You Apply
What to Keep in Mind
Submit 2 Weeks Early
Your request must be received at least two weeks before your payment due date. Late submissions cannot be processed for the current month — plan ahead.
$29 Fee Due at Processing
The $29 fee must be paid when your form is processed. Forms received without payment will not be processed. Your regular payment resumes the following month.
Interest Continues to Accrue
Skipping a payment defers principal, but interest will continue to accrue during the skipped month. This may slightly increase your remaining balance.
Not for Mortgages or Credit Cards
Skip-a-Payment applies to qualifying Pioneer consumer loan accounts. Mortgage loans and Pioneer credit cards are excluded from this benefit.
Ready to request your skip?
Download the form, complete it, and submit it with your $29 fee at least two weeks before your payment due date. You can bring it to any branch or contact us for instructions on submitting remotely.
Checklist
Questions
Frequently Asked Questions
There is a $29 processing fee, which is due at the time your form is processed. Forms submitted without the fee will not be processed. The fee is per skip request.
You must submit your request at least two weeks (14 days) before your payment due date. This gives us time to process your request and confirm the skip before the payment would otherwise be due. Late submissions will not be processed for the current month.
Yes. Skipping a payment defers your principal payment, but interest continues to accrue on your loan balance during the skipped month. This means your remaining balance may be slightly higher than it would have been without the skip.
Skip-a-Payment is available on qualifying Pioneer consumer loan accounts. It is not available for mortgage loans or Pioneer credit cards. If you're unsure whether your loan qualifies, contact us before submitting your request.
When you skip a payment, the missed payment is deferred and your loan term effectively extends by one month. Your regular payment amount stays the same — you'll just have one additional payment at the end of your loan term. Interest accrued during the skip month is added to your outstanding balance.
Download the form using the button on this page, complete it, and bring it — along with your $29 fee — to any Pioneer AFCU branch location. You can also contact us for instructions on how to submit remotely. Remember to allow at least two weeks before your payment due date.
Skip-a-Payment is available to eligible Pioneer Appalachia Federal Credit Union members on qualifying consumer loan accounts. Not available for mortgage loans or credit card accounts. A $29 processing fee is due at the time of processing — requests received without payment will not be processed. Requests must be submitted at least two weeks (14 days) before the payment due date. Interest continues to accrue during the skipped payment period; the skipped payment is deferred to the end of the loan term. Pioneer AFCU reserves the right to deny any Skip-a-Payment request. Membership required. Federally insured by the NCUA.
Locations and Hours
We'd love to see you in person! Please feel free to drop into any branch location near you.