Can I skip a car payment with Navy Federal Credit Union?

Navy Federal, like most lenders, doesn't typically allow you to simply skip a payment without consequences. However, they do offer hardship programs for members facing temporary financial difficulty. If you contact Navy Federal directly and explain your situation—job loss, medical emergency, unexpected expense—they may offer options like deferment (pushing a payment to the end of your loan), forbearance (temporarily reducing payments), or a loan modification. The key is calling before you miss a payment, not after, because proactive communication keeps it off your credit report. Missing a payment without approval damages your credit score, triggers late fees, and can accelerate toward repossession if it continues. Even one missed payment stays on your credit for seven years. Navy Federal's hardship programs are designed to help members avoid that trap, but eligibility depends on your account history, current loan status, and the reason for hardship. If you're struggling with a Navy Federal auto loan payment, start by calling their member services line to ask about hardship options specific to your situation. If you're considering refinancing to lower your monthly payment instead—which is often a better long-term move than skipping payments—Elite Edge can shop multiple lenders for better rates and terms. Text or call (954) 907-2386 or use the 60-second Pre-Qualify at eliteedgeautobroker.com/PreQualify to explore whether refinancing makes sense for your budget.

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