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Loan & Mortgage Services

Skip-a-payment

At A Glance

Take a Break with Skip-a-Payment

We can all use a little extra cash once in a while, which is why MIDFLORIDA offers Skip-A-Payment.1 Whether you're dealing with unexpected expenses or just want to take a break from your regular payments, our Skip-a-Payment program is here to help.

How it works: Skip-a-Payment allows you to defer one payment per year to the end of your loan term on auto loans, recreational vehicle loans or personal loans, excluding personal lines of credit, for a fee of $25 (except some vehicle loans2). Please note: The maturity date will extend an additional month, and interest will continue to accrue.

 

Take advantage of this flexible option using one of these options:

Log into Online Banking

Log into Online Banking, select the qualifying loan and click the Skip-a-Payment button.

Call Us

Call us at (863) 284-5626 or toll free (855) 560-5626 to reach our Loan Department.

Send a Text

Text "SKIP" to MIDFL (64335) to request a phone call from a representative.

visit A Branch

Or stop by any branch to submit a request to skip your payment.
1. Available for closed-end, fixed-rate loans only. Leases, mortgages, second mortgages and business purpose loans do not qualify for this offer. To qualify, your loan must be current, open for at least 9 months, have had no late payments within the last 9 months and had no other skipped payments or half payments within the last calendar year. Loans with guarantors are not eligible for mail or online Skip-A-Payment and must go to a MIDFLORIDA branch to request Skip-A-Payment. No minimum loan amount is required.

 

2. If your Retail Installment Sale Contract so provides, the fee for skipping a payment is $15. In addition to the $15 deferment fee and the costs of extending required or optional insurance, you will also be required to pay additional finance charges as a result of exercising the deferment option.

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