为什么使用跳过付款?

利记app官网's Skip a Payment benefit allows you to make no payment on your loan(s) for one month of your choice without being considered delinquent. 跳过付款允许您:

  • 腾出现金
  • 计划一个假期
  • 应付意外开支
  • 你决定!

资格

You must hold a loan for at least 12 months before it is eligible for the skip request, 而且每月最低还款额必须为100美元. In addition, all your 元素 credit union accounts must be in good standing. 一旦你行使了跳过付款或延期贷款的权利, 这笔贷款可能在12个月内再次获得资格.

合资格要素贷款包括:

  • 汽车贷款
  • 房车,船,和亚视贷款
  • 无担保签字贷款
  • EZ信贷额度

Ineligible loans include credit cards and home-secured loans (including HELOCs).

Details

Skip a Payment requests must be received no less than 7 days prior to the loan due date. A fee of $30 per consumer loan will be charged for exercising this feature and the fee will be added to your loan balance. The addition of the fee to your loan balance will impact your future monthly payment obligations.

一旦你行使了跳过付款或延期贷款的权利, 这笔贷款可能在12个月内再次获得资格.

 

请求跳过付款 

请填写以下表格以要求跳过贷款付款.

你的信息

贷款信息

增加贷款

费用支付

每个跳过请求的费用为30美元. This fee will be added to your loan balance and will result in additional interest accruing on your loan. The fee and additional interest will also result in larger future payments and a larger total amount of payments on your loan.

By checking the box above, I understand and agree that my election will result in (i) a modification of my Loan Agreement; (ii) a change in my future monthly payments; (iii) additional interest accruing on the overall loan balance (including on the fee); and (iv) my election will result in a larger amount of total payments on my loan, including a larger final payment (or additional payments).

我进一步了解并同意免付款福利是自愿的.

条款与条件

利记app官网 offers a skip payment feature as follows: I will be allowed to make no payment for one month of my choosing without being considered delinquent on my loan ("skip period"). Interest and finance charges will continue to accrue during the skip period. I understand and agree that I must be a member in good standing to be eligible for this feature. 每笔消费者贷款须缴付30元的费用,以行使跳过功能. This fee is a finance charge and will increase my Annual Percentage Rate (APR) on my loan. My required monthly payment will start again beginning in the month immediately following the skip period. I understand that the addition of the fee to my loan balance will result in additional interest accruing on my loan (including interest accruing on the fee) and will result in increased total payments for my loan. I understand and agree the addition of the $30 fee to my loan balance will impact my future monthly payments and I agree that I am solely responsible for verifying those future amounts and ensuring any automatic payments are updated accordingly.

我明白我每年只能使用此功能一次. I understand and agree that any additional payments (those beyond the original maturity) resulting from the exercise of the skip payment feature will not be covered by credit insurance and/or GAP and that it is my responsibility to verify the impact of skipped payment(s) on my GAP or other insurance coverage. I further understand that exercising the skip payment feature will extend the time it takes to payoff my loan in full and that I will pay more total interest on my loan(s).

I understand that the skip payment feature is a modification to my existing loan(s) and the addition of the fee to my loan balance will impact my future monthly payment obligations. 通过提交我的请求, 我明确同意修改我现有的贷款。, including the payment of the fee for deferral of my payment obligation(s) and the adding of the fee to my loan balance.

对于支付,我生成了使用账单支付服务设置的支付, 在其他金融机构发起的付款, 等.), I agree that I am responsible for stopping the payment for the month I utilize the skip payment feature. I understand that loan payments forwarded to 元素 for the skip period will not be applied to my 元素 loan(s) and the funds will be available to me in my 元素 money market savings account. 进一步, I agree that I am solely responsible for determining my future loan payment amounts and adjusting any future payments as necessary.

感谢您使用我们的网站. By placing this Web request, you certify that all statements made are true and complete. You authorize the credit union to obtain any information necessary to process this request, 包括信用报告. A credit union representative will contact you if any additional information is needed to process your request or if your request is denied.

I further understand and agree that my pressing of the “Submit” button below will create my electronic signature and shall constitute my legal signature and that my electronic signature executed in conjunction with the electronic submission of information and records shall be legally binding and such transaction shall be considered authorized by me.

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