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, Fast Cash loans and Credit Cards.

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

Any loan considered for Skip-A-Pay cannot have been delinquent for more than three (3) times to qualify.  (Delinquent is considered any day over the grace period.)

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) non-consecutive months within a 12-month period.  Promotional Skip-A-Pays and member request Skip-A-Pays cannot be used consecutively.

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.