Need a little extra cash for the holiday season? Good news — you might be eligible to skip your next loan payment! The holidays can be hectic, and we want to help lighten the load. With our Skip-a-Pay1 program, you can take a break from your loan payment for just a small fee2, giving you more room in your budget to make spirits bright. 

Here's how to check your eligibility and skip a payment:

  1. Log in to Digital Banking.
  2. Go to 'Services' in the menu and select 'Skip-a-Pay'.
  3. Choose the loan payment you'd like to skip.
  4. Select a First Commonwealth account to pay the fee.
  5. Review and accept the Terms & Conditions.
  6. Click 'Submit'.

If you have any questions or need help with skipping a payment, contact us for further assistance.

1 Entire account must be in good standing to be eligible for Skip-a-Pay. Loan must be opened for at least 12 months and the full term must be less than 84 months. Closed-end loans only; excludes lines of credit, credit cards, mortgages, student loans, and home equities. Additional eligibility criteria may apply. 

If your loan is paid through an ACH payment from another Financial Institution, your Skip-a-Pay request must be received at least 5 days prior to your due date. If loan payment is weekly, a total of four payments will be skipped. If loan payment is bi-weekly, a total of two payments will be skipped. The maximum number of skips for the life of the loan is four.

2 $35 fee per loan payment skipped will be immediately charged to the First Commonwealth account selected on the form.