Standard loan agreements with Regional Finance do not feature a built-in, automated right to unilaterally skip scheduled monthly payments without prior authorization. Missing a due date without coordinating with the lender typically results in late payment fees, negative reporting to credit bureaus, and collection calls. However, if you experience sudden financial hardship, the company sometimes evaluates hardship requests, offering options like temporary deferments or due-date adjustments if you contact customer service proactively before missing a payment deadline.