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Need a little extra wiggle room in your budget? We can help.

We can all use a little extra cash once in a while, which is why MIDFLORIDA offers Skip-A-Payment.1 For a nominal fee, you can defer one payment per year to the end of your loan term. The maturity date will extend an additional month and interest will continue accruing. There is a fee of $25.00 (except some vehicle loans2).

Types of loans that qualify

Many MIDFLORIDA loans qualify for Skip-A-Payment, including:

  • Auto loans
  • Recreational Vehicle loans
  • Personal loans (excluding lines of credit)

Get skipping

Setting up Skip-A-Payment is easy! Choose from one of the following options:

  • Log into Online Banking, then select the qualifying loan account and click the Skip-A-Payment button.
  • Call our Loan Department at (863) 284-5626 or toll-free at (855) 560-5626.
  • Text “SKIP” to MIDFL (64335) to request a phone call from a representative.
  • Mail us a completed Skip-A-Payment form, or submit it at any branch.
Notices & Disclosures
Available for closed-end, fixed-rate loans only. Leases, mortgages, second mortgages and business purpose loans do not qualify for this offer. 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 or half payments within the last calendar year. Loans with guarantors are not eligible for mail or online Skip-A-Payment and must go to a MIDFLORIDA branch to request Skip-A-Payment. No minimum loan amount is required.
If your Retail Installment Sale Contract so provides, the fee for skipping a payment is $15. In addition to the $15 deferment fee and the costs of extending required or optional insurance, you will also be required to pay additional finance charges as a result of exercising the deferment option.