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Guardian is committed to offering easy and convenient solutions for managing your money, and we understand there are some months when you just need a little extra cash. Guardian's Skip-A-Pay program can help make things easier for you - and your wallet. Skip your payment on eligible loans and get the extra cash you need.

How It Works
With Skip-A-Pay at Guardian, members may choose to skip one payment per year on all eligible loans for a flat fee of $25 per skipped payment. Getting started is simple.

Get the Process Started
We make skipping a payment fast, easy and available from the palm of your hand. You can skip a payment on eligible Guardian loans inside of your online banking account or your mobile app. You can also give us a call or stop by your closest Guardian branch to have a Guardian team member assist you in starting the process.

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DIY Skip-A-Pay:
  1. Log into online banking or the mobile app.
  2. Select "More," then "Transfer & Pay."
  3. In the drop down menu, click "Skip-A-Pay" to view eligible Guardian loans.
  4. Select the loan for which you would like to skip your payment.
  5. Select the account you would like to use to pay the $25 fee.
  6. Read the disclosure agreements and click "I Agree," then "Submit."


Terms and conditions apply. A $25 fee will be applied to each loan that is skipped.

By skipping your loan payment(s), you will extend the term of the loan(s) by one month and that interest will accrue on the deferred balance of the loan(s) throughout the deferred payment period. 

This Skip-A-Payment Agreement amends your Loan Agreement/Promissory Note and Disclosures with Guardian Credit Union. The Skip-A-Payment program is designed to skip your next month's payment; however, your current month's payment must be paid in full before the end of the month, or the following month’s payment will not be skipped. All Guardian loans and accounts must be current, not in work-out status, or alternate payments, with no collection action pending. Your account must not be overdrawn, and you must have sufficient funds on deposit to cover the $25 application fee per skipped loan. Each loan payment is applied first to accrued interest due on the loan, then to unpaid late fees and charges, and the remaining amount is applied to the principal balance. This application is subject to approval and does not apply to Mortgage loans or Visa Credit Card payments. This program is not available on loans during the first 6 months of the loan agreement. Loans are limited to one (1) Skip-A-Payment per 12-month time period. All other payment terms of your Loan Agreement/Promissory Note will remain in full force and effect. Other restrictions may apply, receipt of a Skip-A-Payment coupon does not guarantee eligibility and approval for the Skip-A-Payment program.

Any credit life and/or disability insurance on the loan will extend beyond the original maturity date of the loan(s). For auto loan payments, please check your GAP insurance carrier to determine how Skip-A Payment may affect your coverage. For payments you generate (for example, payments you set up with a bill payment service, payments initiated at another financial institution, etc.), you are responsible for stopping the loan payment for the month you wish to skip. Automatic transfers (ACH) and/or Payroll deduction payments will be posted to your Share Savings Account for the month you wish to skip. Contact us at 334.244.9999, or stop by any Guardian location for any questions you may have. 

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