The holidays are here.

Sign up for Skip a Payment.

If you need a little more cash for the holidays, you can use our Skip a Payment program to defer one payment on your current First auto loan or other installment loan.

What is Skip a Payment, and how does it work?

For $25, customers who qualify can skip either their December 2022 or January 2023 installment loan payment. Your deferment lasts one month and your regular loan payment is due the following month.

It’s an easy and convenient way to give yourself a little extra cash.

This program is helpful when when you need to buy that perfect gift or you are facing unexpected financial emergencies or hardships.

It doesn’t impact your credit score and any skipped payments are added to the end of your loan’s term.

Interest continues to accrue during the skipped month at the agreed upon rate stated in your loan agreement. Skip a Payment will extend the loan period by one month and is only available for qualified installment loan customers.

Am I eligible to Skip a Payment?

To qualify, your account must be in good standing and all payments must be current.

How do I sign up?

Visit any First Banking Center or contact us at 800-511-0045 to see if your loan qualifies.

Applies to installment loans only – commercial and real estate secured loans are not eligible. $25 processing fee can be paid in branch, debited from FFB deposit account or be assessed interest-free to existing loan balance. Minimum 9 month payment history and no delinquencies in past 12 months of more than 30 days to qualify. Only 1 skipped payment allowed per 12 month period, unless COVID related payment deferral. All signers of the loan must sign the Skip a Payment form. For loans on auto-deduct, Skip a Payment form must be received 2 days before payments any would deduct from FFB accounts or 10 days prior for loans paid from external account. Skipping a payment will extend the maturity of your loan by one month and could result in your final payment being more than it would be had you not skipped a payment. Other terms or conditions may apply. See bank for details. Offer ends 1/31/23. Member FDIC.