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Payment Holiday and Eligible Loans

What is a Payment Holiday and what loans are eligible?

A Payment Holiday is an option to skip your consumer loan payment on loans that have been opened for 6 months. Interest will continue to accrue and the original term of the loan will be extended, if applicable.

To request a Payment Holiday, log into your Online Banking account and choose Payment Holiday under the Loans tab.

The request can be made up to the loan due date. However, if your loan payments are electronically drafted from another financial institution (ACH), a Payment Holiday may be submitted up to two (2) business days prior to the due date of your loan.

Eligibility

Loan types that are not eligible for Payment Holidays:
- Real Estate Loans
- Business Loans
- Overdraft Protection Loans
- Holiday Loans
- Single Pay Loans
- Visa Young Adult Credit Card Loans
- Secured Credit Card Loans
- Propel Loans
For all Consumer Loans except Line of Credit, Visa Signature and Visa Platinum Rewards, two Payment Holidays may be taken per loan per calendar year with a maximum of five for the life of the loan. Line of Credit and Visa Platinum Rewards may only take two Payment Holidays per calendar year.
Payment Holidays may not be requested for consecutive months.
For Line of Credit Loans, including Visa, 5% of the credit limit must be available to be eligible for a payment holiday.
Finance charges will continue to accrue as explained in the LoanLiner Credit Agreement and the loan maturity date, if applicable, will be extended.
For Visa Signature and Visa Platinum Rewards Credit Cards, a Payment Holiday cannot be submitted during the statement processing period. See Visa Payment Holiday for more details about eligibility.

Payment Holiday and Eligible Loans

What is a Payment Holiday and what loans are eligible?

Eligibility

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EHL

Equal Housing Lender

NCUA

National Credit Union Administration, a U.S. Government Agency