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Skip-a-Payment

We are flexibile on payments so you have cash when you need it.

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Take a payment vacation

Just like taking a vacation is refreshing, our Skip-a-Payment option gives you a breather from monthly payments. Qualified automobile and signature loan holders1 can delay one monthly payment every 12 months to free up cash for unexpected expenses, holiday or travel costs.

Request your payment vacation by completing the proper form for either auto loan or signature loan and returning it to any NIHFCU branch, by mail, or by secure email.

Financial wellness begins and ends with the facts. Here's what you need to know!

1 Prior to your Vacation Payment request, you must have at least 11 consecutive months of on-time payments and all of your payments must be up to date to participate in the Payment Vacation pro-gram. All skipped payments must be made up. Auto Loan and Signature Loan holders may only participate in the Payment Vacation program once every 12 months. Assuming you make only min-imum payment(s), skipping payments will delay the payoff of the loan(s) and result in additional fi-nance charges. Payments may not be skipped on any new loan. Loan must be contractually up to date as of the date of this agreement. Except for payment schedule, all terms of your loan agree-ment(s) remain the same. Having any accounts with a negative balance makes you ineligible for the Payment Vacation program. Offer subject to change without notice. Certain restrictions apply.