Some lenders allow you to miss repayments, but only if that is a feature of the loan product that you signed up for, and only if you advise them in advance. Most lenders do not allow their customers to miss a minimum payment, and impose heavy fees on customers that do.

The only exception is those people who register for hardship. Contact your lender to discuss a possible hardship repayment schedule. These may be available to people who have recently lost their jobs or have another reason for an interruption to regular income.