Skip-A-Pay when you need some extra cash for those unexpected expenses, tax time or just when you need a little break.  

Terms & Qualifications

Eligible Loan Accounts: Vehicle, Recreational, Personal, Holiday and Fast Cash.

All accounts with Western Division must be in good standing for consideration of a Skip-A-Pay.

You must have had the loan open and made three (3) months of payments to be eligible for the Skip-A-Pay.

Skip-A-Pay can be used on each eligible loan a maximum of four (4) times during the duration of the loan term, but no more than two (2) months within a 12-month period.

Skip-A-Pay Request must be received ten (10) business days in advance of loan due date.

During the Skip-A-Pay month, interest will continue to accrue at the prevailing interest rate. Skip-A-Pay will extend the term of your loan and may effect life/disability claims.

You are required to resume your regular payment(s) the following month on the loan due date.

Processing Fee

There will be a $25 processing fee/per loan and is required before a Skip-A-Pay Request will be honored.

How to Skip A Pay

Download the Skip A Pay Request Form and return to us by email at, text a copy of the completed form to (716) 632-9328 or visit a branch location.


All Skip-A-Pay applications are subject to approval.