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Important update to our ATM Network: Effective March 1, 2023, we no longer participate in the Allpoint ATM Network. You still have access to 30,000+ surcharge-free ATMs within the Co-op ATM Network.

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Your funds deposited with Credit Union of New Jersey are safe, secure and insured.

Skip A Loan Payment

Take a loan payment breather

Add some money to your monthly budget by skipping your next CU of NJ loan payment. If your loan qualifies, you can defer a monthly payment for a small fee of just $35. And this fee can either be added to your loan balance or withdrawn from your CU of NJ checking or savings account.

Requests are accepted in e-Banking, Mobile Banking or via the online Skip A Loan Payment application. You’ll know in just minutes if you’re eligible—no forms to mail or trips to a branch because the entire process can be done online!

Of course if it’s more convenient for you, requests can also be submitted through the Contact Center at 609-538-4061.

Will my loan qualify?

Here are a few of the requirements to review before submitting a skip request online:

  • Your account must be in good standing and at least 90 days from the disbursement date.
  • You can skip a loan payment a maximum of two times per year.
  • You must wait 4 months to schedule another skip on the same loan.
  • Loan payments may not be skipped two months in a row.
  • Skip A Loan Payments are not available for credit cards, mortgages, home equity, green loans, student loans, business loans or any loan that is delinquent.

Get some breathing room today

Enjoy the freedom to prosper. If you have questions about Skip A Loan Payment, just give us a call at 609.538.4061 or 800.538.4061, email us at, or stop by one of our branches.

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