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Skip-A-Pay

Your Built-In Break From Loan Payments

start skipping

get the extra cash flow you need - when you need it

If you have an auto loan, HELOC, or personal loan with Charlotte Metro, you may be eligible1 to skip a monthly payment for a small deferral fee of $402. By skipping a payment, you’ll have some extra cash to put towards other high-priority expenses.

eligibility

how do i know if my loan can be skipped?

Charlotte Metro loans that are eligible for the Skip-A-Pay program:

  • Auto Loans
  • Home Equity Line of Credit (HELOC)
  • Personal Loans

(Unfortunately, mortgages are not eligible for the Skip-A-Pay program. If you need financial assistance for your mortgage, please contact our Mortgage team)

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are there any restrictions?

Glad you asked! Here’s what you need to know:

  • You're only able to skip 2 monthly payments per loan in a 12-month rolling period.
  • You must request Skip-A-Pay each month, each time the payment is due.
  • The minimum current balance of the loan must be $75 or more.

You can schedule Skip-A-Pay through Online Banking or by contacting us at 704.375.0183.

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ok, here's the fine print: