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skip-a-pay from home

Take advantage of our Skip-A-Pay program.

Take advantage of our Skip-A-Pay program and give yourself a break from loan payments. With Meritrust's Skip-A-Pay program, you can apply to defer your personal loan, auto loan, credit card, unsecured line of credit or home equity line of credit payment(s).*

If you have monthly payments:

  • You may skip up to two payments or two months of payments.
  • These months can be consecutive or non-consecutive.
  • You will need to apply per skip, so each month or payment will need a separate application.
  • There is no fee per loan for deferring your payment(s) at this time.

If you have biweekly payments:

  • You may skip up to four biweekly payments.
  • These skips can be consecutive or non-consecutive (two biweekly payments per skip).
  • You will need to apply per skip, so each month or every two payments will need a separate application.
  • There is no fee per loan for deferring your payment(s) at this time.

Sign up for Skip-A-Pay today

Log in to Meritrust’s online banking and
click on the Skip-A-Pay tab.

Apply Online

Log in to Meritrust's mobile app,
tap on More, tap on Skip-A-Pay.

Mobile Banking

For assistance on deferring your Meritrust credit card payment, unsecured line of credit (ULOC), or home equity line of credit (HELOC):

Call 316.651.5166, Option 1

* There is no fee per loan for deferring your payments. If you are approved to defer your loan payment(s), no late fee will be levied. For loans with repayment schedules due monthly, one payment will be skipped. For bi-weekly repayment schedules, two payments will be skipped. For semi-monthly repayment schedules, two payments will be skipped. For weekly repayment schedules, four payments will be skipped. Your payment(s) will resume subsequent to the skipped payments on the next regularly scheduled payment date. Loan interest will continue to accrue and will be collected when payment(s) resume. Any loan payroll deduction received during this period will be deposited into your share account and will be available for withdrawal. Skip-a-Pay applications submitted to Meritrust in whole or in part that are illegible or incomplete may not be processed. If you have Credit Life and/or Disability, GAP Insurance or Warranties on any loan on which you are deferring any payments, your coverage may be adversely affected. To qualify you must; have made at least one payment on your loan(s), be current on your loan payments, and have a positive balance in all your Meritrust accounts, including your $5.00 minimum share balance. This offer is available on most closed-ended, consumer loans. This offer is not available on 1st Mortgages, Freedom Lines of Credit, Fixed Rate 2nd Mortgages, Commercial Loans, Home Equity Lines of Credit (HELOC), Unsecured Lines of Credit (ULOC), and Credit Card Loans. If you would like more information, a copy of this disclosure, or have questions, please contact us at: Meritrust Credit Union, PO Box 789757, Wichita, KS 67278, or call 800-342-9278.

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the National Credit Union Administration, Office of Consumer Protection, 1775 Duke Street, Alexandria, VA 22314.