We've got you covered -  your financial breathing room when you need it.

Unlock financial flexibility.

We understand that life can be unpredictable. That's why we offer a convenient and flexible solution through our Skip-A-Pay Program. Whether unexpected expenses arise or you simply need a little breathing room in your budget, Skip-A-Pay is here to help.

You may have multiple loans with Smart Financial that are eligible for the Skip-A-Pay program. Members may skip payments for each qualifying loan twice in a rolling 12-month period.*

How it works:

Simply login to online or mobile banking to skip your next loan payment*

enroll in a few simple steps

navigate to Transfer & Pay then select Skip-A-Pay

choose the month you'd like to skip

Download our mobile app to enroll on your iPhone or Android device.*

App Store Google Play
*There are restrictions and qualifications in order to be eligible for this service. 

Ask an expert

Have questions about the Skip-A-Pay Program? Our lending team is ready to help. Learn about your loan options, and get personalized assistance for your situation.

Call us! If you would like to speak to a Lending Specialist, call us at 713-407-1755.


If you have multiple loans, you may take advantage of the Skip-A-Pay program for each loan that qualifies. There will be a $30 processing fee per loan. Member is responsible for canceling the next recurring payment on the skipped loan at least 3 days before the scheduled payment date, either through online banking or outside financial institution, depending on the funding source of your recurring loan payments.

By enrolling in the Skip-A-Pay Program I understand and agree that: (1) skipping my current payment will extend the term of my loan for an additional month; (2) interest will continue to accrue on my loan during the entire term of the loan, including the month the payment is skipped, and may change the schedule of total repayment; (3) this authorization amends the original loan agreement; (4) all requests may be processed by mail, online, or by calling the credit union; (5) I must provide Smart Financial Credit Union with notice of my intent to participate before the due date of my current payment; (6) I will only be eligible for the program if all my loans are current and I have not otherwise been in default in the past 6 months on the date my request is received; (7) loans whose payments are made by disability insurance/protection provided by one of our affiliates, are not eligible for a skipped payment; (8) this offer is limited to the member and loan(s) indicated on this form; (9) I may only be eligible to skip a payment twice in a 12 month rolling period on the same loan; (10) the eligible skipped payments may not be consecutively monthly payments; (11) the $30 processing fee may be debited from any of my Smart Financial accounts unless I remit a check drawn off another institution for the fee; (12) I understand that if payment for the fee is not received, the skipping of the payment may not be processed; (13) any monthly credit insurance/debt protection charge I may have on my loan will continue to accrue; (14) I should keep a copy of this application with my original loan documents; (15) other restrictions may apply (16) any regular payment made through Payroll Deduction or Direct Deposit may be transferred to my primary share account or it may be applied to the principal of my loan reducing the remaining balance of the loan; (17) Depository accounts may not be overdrawn; and (18) Number of payments that will be skipped based on payment frequency are as follows: 4 Weekly, 2 Bi-Weekly, 1 Monthly, 2 Semi-Monthly.

This offer excludes all Mortgage loans, Home Improvement loans, Home Equity loans, Home Equity Line of Credit loans, Lot loans, Indirect loans, Balloon notes, Interest Only loans, Commercial loans, Credit Cards, and Line of Credit loans.