Skip-A-Pay
Put Your Loan on Pause—And Put That Extra Cash to Work
How It Works
Check Your Eligibility
- Your auto loan must be in good standing
- At least six (6) consecutive monthly payments must have been made in a rolling 12-month period
- Loan balance must be $5,000 or more
Request to Skip
- Log into Online Banking
- Navigate to Loan Center > Loan Services > Skip-A-Payment
- Or submit the request via our form or in-person at any branch
Enjoy the Extra Cash
- Once approved, your loan will be extended by one month
- Interest continues to accrue, but no payment is due for that month
- Loan resumes the following month as normal
Educators Skip for Free
Are you a school employee? BrightStar proudly supports school faculty and staff. School employees pay no processing fee when approved for Skip-A-Pay. Just another way we give back to those who give so much.
All school employees qualify
100% waived for educators
Supporting education heroes
What You Need to Know
Processing Fee
$40 processing fee (waived for school employees)
Usage Limits
Only two skips per rolling 12-month period, up to six total per loan
Eligible Loans
Available only for BrightStar Auto Loans
Not Available For
Credit Cards, Mortgages, Commercial Loans, or Home Equity Loans
Important Note
Automatic payments (ACH or payroll deductions) must be paused manually for the skip month
Ready to Skip a Payment?
It's easy! Just complete the quick form linked below to request your Skip-A-Pay.
Important Disclosures: By submitting a Skip-A-Pay request, you authorize BrightStar Credit Union to extend your loan by one month. The $40 processing fee is a finance charge and will be deducted from your BrightStar account unless you qualify for a waiver. Skipping your payment may increase the total cost of your loan. Offer is subject to approval and change at any time. Not all loans qualify. School employee status may be verified.