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Emergency Skip-A-Pay

We're Here For You

Loan payment assistance is available from Valley Oak for qualifying* members to skip your monthly loan payment on any eligible loan with no fee. We don't want you to worry about your loans. If you're struggling with making your consumer loan payments, you can skip your May or June loan payment. If you need to, you can skip both.

Online Banking

The easiest way to skip your monthly loan payment(s) is to sign on to Online Banking. If you have yet to enroll in Online Banking click HERE for instructions on how to enroll. An easy and simple process that gives you 24/7 access to your account.

Once logged in, use the following steps to skip your loan payment

Step 1

Click on the Green 'SP' button next to your loan. If you have multiple loans you wish to skip a payment on, you will have to do each separately.

Step 2

The loan summary will appear next. Please click on the Skip-A-Pay button

Step 3

Last step to finalize. Please read the terms of the skip-a-payment and then check that you have read them before clicking the 'Submit' button.

PLEASE NOTE: You will need to perform these steps for each loan and each desired month that you wish to skip.

Printed Form

If you wish to speak with your representative in-person. You can print THIS form and bring it to your nearest branch. Please know that we are restricting our lobby traffic 5 members maximum which may increase your wait time. The quickest way to process your Skip-A-Pay will be to utilize online banking.



*Home Equity Loans, First and Second Mortgages are excluded from this program. Delinquent Loans are subject to additional review.If you have a Home Equity Loan or a First or Second Mortgage and are in need of financial assistance, please contact your loan officer to discuss your options. Please note, all emergency assistance is provided at the credit union's discretion, and is subject to change or discontinue without notice.