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We hear you, and we want to help. Learn more about Skip-a-Pay.

If you're unable to make your regular loan payment because of hardship related to COVID-19 (Coronavirus), you may be eligible to postpone your next payment.

Online Banking
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Log in, choose the Skip-a-Pay option in the top menu, and select the eligible loan that you want to skip. If you haven't signed up for Online Banking, you can do it today!

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Already signed up? Log in HERE.

Information on Credit Cards or Micro-Business Loan Skip-a-Pay Applications below.

Skip-a-Pay Qualifications
  • Your accounts must be in good standing and the eligible loan must be current.
  • Each loan you are requesting a Skip-a-Pay must be at least 120 days (4 months) old, and all loans, including your Visa Credit Card, must be current.
  • Personal revolving lines of credit, home equity loans, home equity lines of credit, and commercial business loans/credit cards are NOT eligible for the Skip-A-Pay program.
  • Limit two skipped payments in one 12-month rolling period for consumer credit card loans. Limit four skipped payments for all other eligible consumer loans. Limit two skipped payments in one 12-month rolling period for eligible micro-business loans.
  • Lake Trust reserves the right to deny a Skip-a-Pay request, including delinquent loans, loans that are involved in a bankruptcy or collection action.
  • See COVID-19 Skip-a-Pay Program Terms and Conditions for more details.

Even if your particular loan does not meet the above criteria (excluding lines of credit and real estate loans), we encourage you to submit a Skip-a-Pay Request using the form below. Our Lake Trust team members will reach out to you by email or phone to see if any other assistance can be provided to you.

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If you want to skip your next loan payment and don't want to use Online Banking, or if your loan doesn't meet the eligibility requirements, you should still complete an application. We may be able to help you still.

Complete Application
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Credit Cards

Complete an application now if you want to skip your personal Visa® credit card payment.

Complete Application
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Micro Business Loans*

Complete an application if you need to skip your next micro business loan payment.

Complete Application

*Excludes any line of credit or real estate loan

Other Things to Know
  • After you submit your request, you'll receive an email of approval or denial within 3 business days.
  • Please submit your request at least 7 days before your payment is due.
  • You're still responsible for making your loan payment on time unless you receive confirmation that your Skip-a-Pay request is approved.
  • Please submit a separate request for each loan payment that you want to skip.