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Home > About Us > Newsroom > Coronavirus (COVID-19) > Loan Deferment

Loan Deferment

woman looking at her credit card on a laptopVyStar wants to help you regain your financial footing.

On March 27, 2020, VyStar automatically deferred loan payments for 60 days on eligible* consumer loans and credit cards. The program was designed to ease the financial burden that our members may be experiencing because of the coronavirus (COVID-19).

Now that the loan deferment period is coming to an end, we recognize you may need to skip another payment on your loan or change your loan's due date to better fit your needs. That’s why we are offering additional options to help you financially recover at your own pace.

If you do not request additional assistance, loan and credit card payments that are late will incur a fee, as we are reverting to normal late fee assessments starting June 1, 2020.

We have provided forms for you to request a Skip-A-Payment or to change the due date on your loan.

Select an option that fits your needs from the buttons below.

Skip-A-Payment                            Due Date Change

Consumer Loan & Credit Card Skip-A-Payment FAQ

What is Skip-A-Payment?

Skip-A-Payment gives members the ability to defer predetermined monthly payments in order to have additional financial flexibility. Finance charges will continue to accrue, and the maturity date of your loan(s), as applicable, will be extended.

If I have a credit card with VyStar, can I skip that card payment?

Yes, provided that the credit card is not included in bankruptcy. Finance charges will continue to accrue, but you won’t be charged any late fees. 

What do I need to do request a Skip-A-Payment?

Please click on the Skip-A-Payment button above and complete the form for consideration of deferment.

Do I have to make payments during the deferment period?

No, loan and credit card payments are deferred, and payments do not have to be made during the deferred months. Finance charges will continue to accrue, and the maturity date of your loan(s), as applicable, will be extended.

If you would prefer to make a payment during the deferment period, you can. However, a payment is not required.

Will I be charged a fee for a loan or credit card skipped payment if I signed up for the Skip-A-Payment program?

No.

If I have Easy Pay set up to pay my credit card each month, will this payment still be made to the credit card?

Yes, the payment would transfer as normal unless you cancel Easy Pay. Please log in to Internet Banking and click your credit card account to make this update.
*Loans that are not eligible for deferment include certificate secured loans and any loans or credit cards currently in an active bankruptcy status. Credit cards are not eligible for a change in due date.
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VyStar Credit Union
P.O. Box 45085
Jacksonville FL 32232
904-777-6000 or 800-445-6289
Routing Number 263079276

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