MIDFLORIDA, Your Community Credit Union.

View All Branches

Locate a Branch/ATM

Geolocate ZipCode

Information for You


Defer one month's payment on qualified MIDFLORIDA loans.

Extra Cash in your Pocket

We could all use a little extra cash from time to time, which is why you have the option to take a break from your loan. For a small fee, we’ll move your skipped payment once a year to the end of your loan term. Interest will continue to accrue and the loan maturity date will extend one month beyond its original maturity date.1

Fee is $25.00 or 10% of loan payment, whichever is greater.

Ready to skip a payment?

Online Banking is the most convenient way to skip your next loan payment. As long as the loan qualifies, you can select the loan account and then click on the Skip-a-Payment button.

  • Log into Online Banking
  • Call our Loan Department at (863) 284-5626 or toll-free at (855) 560-5626.
  • Text the keyword “SKIP” to MIDFL (64335) to have a representative call you back.2
  • Complete the Skip-A-Payment form and mail it to us or return to any branch.

Types of loans that qualify

  • Auto loans
  • Recreational Vehicle loans
  • Personal loans, excluding lines of credit

1.Available for closed-end, fixed rate loans only. Mortgages and second mortgages do not qualify for this offer. No minimum loan amount is required. To qualify your loan must be current, open for at least 9 months, have had no late payments within the last 9 months and had no other skipped payments within the last 12 months. The Skip-a-Payment fee can be withdrawn from your MIDFLORIDA checking or savings account. Skipped payment will extend term of loan by one payment. All contract signors must sign a loan extension agreement.

2.As always, message and data rates may apply for any messages sent to you from us and to us from you. Message frequency depends on the user’s interaction. If you have any questions about your text plan or data plan, it is best to contact your wireless provider. For all questions about the services provided by this short code, you can send an email to helpdesk@midflorida.com. View SMS terms & conditions