Payment Relief Options

Take a Break From Your Loan Payment

Need a break from a loan payment? Pelican's Payment Relief Options let eligible members defer a qualifying loan payment for a $40 fee — right from the MyPelican app.

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How It Works

Skipping a payment is a quick, self-serve process you can complete in minutes. No paperwork, no phone call required.

1
Check your eligibility
Confirm your loan and account meet the requirements below.
2
Request your deferral
Submit directly in the MyPelican app or online banking, or visit a branch.
3
Payment deferred
The $40 fee is collected and your payment is pushed to the end of your loan term.

See If You Qualify

Loan Eligibility Requirements

Not every loan or account is automatically eligible for Payment Relief. Reviewing these requirements ahead of time ensures a smooth submission with no surprises.

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Your Loan Qualifies If:

All of the following must be true at the time of your request. If your loan meets these conditions, you're ready to submit a deferral through MyPelican or at any branch.

Your account is in good standing
Your payment isn't more than 10 days overdue
You've already made at least 3 months' worth of payments
Payment due date is within 45 days

Loans That Don't Qualify:

Payment Relief cannot be applied to certain loan types, regardless of account standing. If your loan is on this list, it is not eligible for deferral.