Offers & Discounts

*This program is not available during the first six (6) months of the loan agreement. Eligible loans must be in good standing. Eligible loans include: Auto, RV, Signature, & Home Equity Line-of-Credit Loans. Interest will continue to accrue from the date of your last payment. Skip-a-payment request is eligible to skip ONE month only and will not impact credit rating. Maximum of four (4) skip-a-pays over the life of the loan is allowed.

Payroll Skip-A-Pay Requests: Payroll-related Skip-A-Pay request forms must be received prior to the end of the month in which the applicable payroll occurs. Requests received after month-end cannot be processed. Due to month-end payroll processing requirements, we are unable to process payroll reversals after the applicable month has closed.

METRO reserves the right to deny this benefit to anyone who has not made scheduled payments on time. Two Skip-A-Payment requests are allowed in one calendar year (three months in between Skip-A-Payment requests) with a maximum of 4 (four) Skip-A-Payments for the life of loan. There is a $40.00 processing fee for each Skip-A-Payment request. Each loan requires a separate request form. You may skip one month’s full payment on the eligible loan types. Finance charges will continue to accrue on a daily basis at the Annual Percentage Rate set forth in your loan agreement, both during and after the deferral period. This means that this deferral of scheduled payments will result in paying a higher total finance charge and possibly a greater total number of payments. In all other respects, the provisions of your original agreement remain in full force and effect. Payments resume the month following the deferral and will include the finance charges from the skipped month. Monthly Premiums for Credit Life/ Disability will still be added to the loan balance on the skipped month.