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Need a break from your loan payments? An unexpected expense or a special splurge can test the limits of your family budget. That's why we offer Credit Protector, a loan deferral program that allows you to take a break from your loan payments for up to three months during the life of your loan.

No questions asked. No effect on your credit rating. You can skip a payment for any reason, and not worry about how it will impact your credit score. You now have more flexibility and greater peace of mind as you plan your future spending.

  • Allows for three (3) payment deferrals at any time during a loan
  • $99 one-time cost, paid up front
  • Payment deferrals can be consecutive (but not necessary)
  • Do not have to pay interest due at time of deferral
  • Must be current on loan payments and sign a request voucher to request the deferral
  • May cancel at any time within the first six months for a refund*

Be sure to ask for our Skip A Pay program when you get your next loans, or to call us at (651) 383-4000 to request a skip a pay for an existing loan.

*Will not receive a full refund if any deferral request has been used in the first 6 months.
Take a break from your payment — worry free!