TopMark is Here for You!
Everyone Needs a Break Every Once in A While.

Ever wish you could hit "pause" on your monthly loan payments?
With our Skip-a-Pay program, you can!  

The Skip-A-Pay Program gives you the option to defer a monthly payment 
on an eligible loan to the end of the loan term. We advance your payment due date 
and your maturity date (for example on a 48-month loan, if one payment is skipped, you make 
48 payments over 49 months).

The borrower and all co-borrowers must sign this request form.  

*For best results, please verify eligibility with a TopMark Representative prior to submitting your Skip-A-Payment form. 

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Are you eligible?

  • You must be in good standing (not delinquent or have a negative balance) on any TopMark accounts.
  • Loan must be current or in grace period. 
  • Loan must be open for a minimum of 6 months prior to the skipped payment.
  • If you were granted a Relief Skip due to COVID-19, you may not be eligible for a Holiday Skip A Payment.  Contact a branch for information. 

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Non-Qualified Loans

Reward TopMark VISA®all Estate Secured Loans, PayDay loans, Mobile Home loans or overdraft lines of credit and and loans included in a Bankruptcy (unless the debt has been reaffirmed) are not eligible for Skip-a-Payment.

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Ready to Skip? To request to skip your loan payment, you may:

1. Visit a branch OR
2. Print, fill out and mail, email or fax in the Skip A Pay Form!

Participating Information

By signing, I authorize TopMark FCU to advance my loan payment due date by one month and understand this will extend the maturity date of my loans(s).  A fee of $35 will be assessed per loan.  Interest and any charges for disability and/or life insurance will continue to accrue for any skipped month. 
Offer limited to two (2) skips per calendar year.  Secured loans are limited to six (6) skips over the life of the loan. If the loan includes Guaranteed Asset Protection (GAP), skipping a loan payment will reduce any GAP claim that is filed during the life of the loan.  Refer to your GAP contract for applicable limits. This offer only applies to any loan that are refinanced or originated at least six (6) months prior to the skip a pay request date.