Winter Loan & 
Skip a Loan Payment

Apply Exclusively Online for Metro’s Winter Loan & Skip a Loan Payment. You can apply for either, or both separately, by following the links below.


Online Winter Loan

  • $500.00 loan
  • $25.00 application fee
  • Must apply Online or in Mobile Banking

To avoid being charged an unnecessary fee, DO NOT apply unless you meet the following requirements:

  • Employed at current job for 3 months or more
  • Have direct deposit into your account at Metro for at least $350* per month OR have paid three or more Winter or Summer Loans in the past two years
  • No active bankruptcies
  • No loans with Metro labeled as “Workout”
  • Not past due on any loan with Metro (cannot be in grace period)

NOTE: This is strictly an Online & Mobile Banking promotion and review of your application is automated.  Your loan application will be approved if you meet all of the criteria above. Your loan application will not be approved if you fail to meet any of the criteria above.  A $25 application fee will be assessed on all applications whether the loan is approved or declined, and application fees cannot be refunded.   Assessment of the $25 fee may cause a negative balance if sufficient funds are not available in your account. 

*Direct Deposits less than $150 may be excluded from the calculation.

  Apply Now


Online Skip A Loan Payment

  • Skip one month’s loan payment on one or multiple loans.
    • Mortgage loans, HELOCs, Workout loans, and Summer loans are not eligible
    • Must have made one full monthly payment
    • All Loans must be current (cannot be in grace period)
  • $25.00 processing fee per loan skipped
  • Your loan due date/s will be advanced one month
  • Only available Online or through Mobile Banking (not available in branches or over the phone)

  Apply Now


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