EARLY CLOSING: On Thursday, Feb. 20, 2020, all North Carolina and Virginia Truliant locations will close at 3.30 p.m. due to inclement weather. We apologize for any inconvenience. You can still access account information, pay bills, and more with Online Banking.
SYSTEM MAINTENANCE: Due to system maintenance, you may experience intermittent availability when accessing Digital Banking on Sunday, February 9th from 12:30am - 4:30am EST.


  • Give yourself some financial breathing room when needed
  • Lets you skip your payment for one month without penalty
  • Available for qualifying auto, recreational vehicle and boat loans
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  • Product Details
  • Fees
  • Members - determine eligibility
  • Sometimes you need a little relief from making your monthly loan payments. We understand. Our Skip-A-Pay service allows you to skip one payment per loan per calendar year, so you can use that money to pay for other important things in your life. Whether you apply online, through our Member Contact Center or in one of our branches, it's an easy process, and we'll quickly let you know if your loan qualifies. 

    Here's What to Know About Skip-A-Pay1

    • You qualify if you are current on all your Truliant loans and have made at least the first payment on the loan you wish to skip
    • You must have paid your Truliant loans for the past 12 months without a loan extension or being late with a payment
    • Let us know from which account you want to pay the $25 processing fee
    • All persons responsible for the loan must agree to Skip-A-Pay
    • Process your Skip-A-Pay on your own by accessing your online banking account. Then click on Additional Services, select Skip-A-Pay and follow the steps provided
    • If you purchased Guaranteed Auto Protection or Guaranteed Asset Protection (GAP) with your loan secured by an automobile, any payments skipped during the life of the loan will be deducted from the deficiency calculation on a GAP claim

    Ready to Skip-A-Pay?

    When you’re striving to reach your goals, Truliant can help you achieve them as your financial partner. Skip-A-Pay today to have more financial flexibility this month. Simply login to your online banking account to use this option. Within online banking, click or tap the Additional Services to find our Skip-A-Pay form. If you do not currently use online banking, click here to create an account. You may also visit a Member Financial Center in North Carolina, South Carolina or Virginia or call us at 800.822.0382 to start the Skip-A-Pay process. Truliant is committed to providing the products and services members need to strengthen their finances and improve their lives.

    (1) Subject to credit union approval. Skip-A-Pay works by extending your loan term by one month for each Skip-A-Pay transaction used. Limit one Skip-A-Pay extension per calendar year. Account must be in good standing to qualify. Interest will continue to accrue until loan is completely paid. A $25 service fee applies. Once the fee is transferred your loan will reflect the new due date. Truliant must be listed as the lienholder on car, recreational vehicle or boat title to qualify.
  • Pay a modest $25 fee to enjoy the convenience that comes with skipping one month of a loan payment. 

  • Are you a Truliant member with an auto, recreational vehicle and/or boat loan? Check your Skip-A-Pay eligibility in just minutes when you log in to Online Banking.

    Simply log in to online banking, select "Additional Services" and scroll down to Skip-A-Pay. You can find out, almost immediately, if you're eligible. If you have any questions, you can also call 800.822.0382.