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To qualify for Skip-a-Pay, your Wings Credit Union loan account must be in good standing and must have at least one month of payment history. Skip-a-Pay is not valid on personal lines of credit, first mortgage loans, home equity loans, credit cards, business loans, workout loans, or credit builder loans. You may only skip one payment per loan per 365 days. The original monthly loan payment amount will be due in the billing cycle immediately following the skipped payment. Members with active ACH loan payment must request at least 5 business days prior to payment due date. Other restrictions may apply. Skipping payments may significantly extend the term of your loan. Interest will continue to accrue during the skipped pay period. If you have Guaranteed Asset Protection (GAP) you are eligible for only 5 skipped payments during the life of your loan. More than 5 may result in a deduction from a full claim amount in the future. Members must request Skip-a-Pay within the current month. All open and active loans must be current. Must have lien perfection on all open and active collateralized loans. Not allowed on balloon payments once the loan has reached maturity.