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skip two payments in 2008! You decide when you need your money the most with our Skip-A-Payment program.  For 2008, we're expanding our Skip-A-Payment offer to allow you to skip two payments.  That's two months payment-free on auto loans and personal loans!  Interest will continue to accrue during this time, and other restrictions may apply.  Contact any branch or refer to the application for complete details. personal lines of credit Need protection for those unexpected expenses? Enjoy the peace of mind of knowing you can access your credit whenever you need it, 24-hours a day?  A personal line of credit could be the answer.  It's a terrific tool to use as overdraft protection or as an emergency or "Rainy Day" fund.  Of course, like all of our personal loans, the way you use it is completely up to you!  It's easy to access your personal line of credit using your ATM card any time you need it, 24-hours a day.  You can also access your line of credit through ePAL online banking, by contacting Member Services, or by visiting any branch during business hours.  Ready to apply?  Try our online application! personal loans Prefer a fixed monthly payment with a definite start and end date to a variable payment choice?  A personal loan from Southeast Financial might be just what you're looking for. With our low rates, this is a great way to get extra money, and YOU decide how you want to spend it!  You can use this for debt consolidation, home improvements, vacations, back-to-school expenses, and much more. The monthly payment stays the same each month, so you know exactly what to put into your budget.  Ready to apply?  Try our online application!  easy applications Need to talk one-on-one?  We understand, and we want to make it easy for you to apply.  Talk to one of our Loan Representatives 7:30 a.m. until 4:30 p.m., Monday through Friday 615.743.3700 or 800.521.9653 Call our Anytime Loan Line after hours, on weekends and holidays 1.866.398.6662 skip-a-payment...you decide when you need your money the most! Simply select one month between January and December 2008 to skip your payment(s) on any qualifying loan*.  Whether you pay weekly, biweekly or just once a month, your entire month of payments on the selected loan will be skipped, and there's no penalty!  Just follow these easy steps: Complete the Skip-A-Payment application.  Please note that both the primary member and the co-signer/guarantor (if applicable) MUST sign the form. Mail the application to Southeast Financial Federal Credit Union, Attn: Skip-A-Payment, P.O. Box 331788, Nashville, TN 37203 or deliver to any branch. Applications must be received a minimum of 15 days prior to the due date of the payment you are requesting to skip. There is a $30 processing fee for each loan payment you choose to skip. Arrange payment of your processing fee by one of these easy methods: Pay in cash at any branch location Add the fee to your outstanding loan balance Pay by check enclosed with your application Transfer the funds from another account How do I know if my loan qualifies for a Skip-A-Payment? You can Skip-A-Payment on your Southeast Financial loans* using this form.  The only requirement is that the loan be in good standing.  If the loan is or has been delinquent or over-the-limit, Southeast Financial reserves the right to deny your Skip-A-Payment request.  If your request is denied, you will be notified in writing. *Mortgage Loan, Home Equity Loan and Line of Credit, Credit Card, The College Network (TCN), Fast Forward and Business Loan payments are excluded from this offer.  Other restrictions may apply. How does skipping a payment affect my finance charges? Interest will continue to accrue on your loan during the waived payment period. Credit Insurance Protection premium charges (if applicable) will continue to accrue.  Your loan maturity date will be extended when your payment is deferred. All terms and conditions remain the same.