We Share A Common Thread


Our Skip-A-Pay program allows you to skip one monthly payment on a qualifying loan. It’s perfect during the holidays when money can get a little tight, but it can also be used any time during the year when you might need to free up a little extra cash for unexpected expenses.

The types of loans you can skip include:

  • New/Used Auto, Indirect Auto
  • MoneyStrong Build/Rebuild
  • Personal
  • Motorcycle, RV, Boat

Certain restrictions apply, but you can fill out the Skip-A-Pay Request Form* online or stop by any of our convenient branch locations.

Still Have Questions?

Email us, call us at 978-452-5001 or visit any convenient branch.


Your request must be received five (5) business days before your loan payment is due. Finance charges will continue to accrue on a daily basis at the Annual Percentage Rate set forth in the loan agreement, both during and after the deferral period. This means that this deferral of scheduled payments will result in paying higher total Finance Charges and possibly a higher total number of payments, than if payments were made as originally scheduled. If the loan has GAP or Life/Disability Insurance, it will remain in effect during the month that the loan payment is skipped, however coverage will not be extended beyond the original maturity date of the loan. If there is a current insurance claim pending, skipping a payment is not allowed. Loans are limited to one (1) Skip-A-Payment per calendar year and up to a maximum of three (3) per loan term. There is a $25.00 service fee to skip each payment on each loan. Eligible loan types are as follows: New and Used Auto, New and Used Motorcycle, Recreational Vehicles, Personal Loans, Indirect Loans and MoneyStrong Build/Rebuild Loans. Not offered on VISA® Credit Cards, Overdraft Line of Credit, Home Equity Lines/Loans, Mortgages or Commercial Loans.

NMLS#: 406108