full
image
#666666
https://prefteachers.com/wp-content/themes/smartbox-installable/
https://prefteachers.com/
#26ade4
style2
Great Rates!
251.476.3131

FAQ’s

You got a problem? Maybe you can find a solution in our FAQ.

Below are a few commonly asked questions that the Preferred Teachers Association team receives. We are here to answer your questions.  Let us help you with your financial needs today – click here for our application to get started.

 

What are your Information Safeguard Procedures

Alabama Credit Corporation understands the importance of protecting and securing information and using it appropriately. Access to information about you is restricted to the employees of ACC who require it to provide our financial products and services to you. We maintain physical, electronic, and procedural safeguards for security of information. We train and educate our employees about the meaning and requirements for customer data security and confidentiality.

 

We do not sell or share our customer mailing lists with third parties or other companies for marketing purposes. When we share information about you with companies outside of ACC, it is usually because you have given ACC as a credit reference and/or have an account with the other company. We require such companies to properly identify themselves and use the information only for a permitted or authorized purpose.

 

What is the minimum credit score required?

We require a minimum credit score of 550 from Equifax.

 

What are my repayment options?

 We accept check or money order by mail. You can pay with your debit or credit card by phone. You can also set up a direct debit from your checking account and we will pull the payment out each
month.

 

Is there a penalty if I pay the loan off early?

No , there is no penalty for early payoff. 

 

What are the terms of use?

 By accessing this Web site, you agree to the following Terms of Use. If you do not agree to the following Terms of Use, do not access this Web site. Alabama Credit Corporation (ACC) reserves the right to change these Terms of Use, and your continued use of this Web site constitutes agreement to all such changes.
Uses of this Web Site

This Web site is intended for personal, non-commercial use. You may print, copy and download any information or portion of this Web site for your personal use only. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, frame, create derivative works from, transfer, or otherwise use in any other way for commercial or public purposes in whole or in part any information, software, products, or services obtained from this Web site, except for the purposes expressly provided herein, without ACC’s prior written approval. Unauthorized use of this Web site and or any ACC systems, including, but not limited to, unauthorized entry into ACC’s systems, misuse of passwords or misuse of any other information, is strictly prohibited. You may not use this Web site in any manner that could damage, disable, overburden, or impair any ACC site or service or interfere with any other party’s use and enjoyment of any ACC site or service. You may not attempt to gain unauthorized access to any ACC site or service, computer systems or networks connected to any ACC site or service, through hacking, password mining or any other means. You agree that you will not engage in any activities related to this Web site that are contrary to applicable laws or regulations.
ACC reserves the right, in its sole discretion, without any obligation and without any notice requirement, to change, improve or correct the information, materials and descriptions on this Web site and to suspend and/or deny access to this Web site for scheduled or unscheduled maintenance, upgrades, improvements or corrections. The information and materials on this Web site may contain typographical errors or inaccuracies. Any dated information is published as of its date only, and ACC does not undertake any obligation or responsibility to update or amend any such information. ACC may discontinue or change any product or service described in or offered on this Web site at any time.

Disclaimer of Warranty and Limitation of Liability

The information, products and services on this Web site are provided on as “AS IS” and “AS AVAILABLE” basis. ACC does not warrant the information or services provided herein or your use of this Web site generally, either expressly or impliedly, for any particularpurposeandexpresslydisclaimsanyimpliedwarranties,including but not limited to, warranties of title, non-infringement, merchantability or fitness for a particular purpose, ACC will not be responsible for any loss or damage that could result from interception by third parties of any information or services made available to you via this Web site. Although the information provided to you on this Web site is obtained or compiled from sources we believe to be reliable. ACC cannot and does not guarantee the accuracy, validity, timeliness or completeness of any information or data made available to you for any particular purpose. Neither ACC, nor any of its affiliates, directors, officers or employees, nor any third party vendor, will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or interruption of this Web site, or resulting from the act or omission of any other party involved in making this Web site, the data contained herein or the products or services offered on this Web site available to you, or from any other cause relating to your access to, inability to access, or use of the Web site or these materials, whether or not the circumstances giving rise to such cause may have been within the control of ACC or of any vendor providing software or services. In no event will ACC or any such parties be liable to you, whether in contract or tort, for any direct, special, indirect, consequential or incidental damages or any other damages of any kind even if ACC or any other such party has been advised of the possibility thereof. This limitation on liability includes, but is not limited to, the transmission of any viruses which may infect a user’s equipment, failure of mechanical or electronic equipment or communication lines, telephone or other interconnect problems (e.g., you cannot access your internet service provider), unauthorized access, theft, operator errors, strikes or other labor problems or any force majeure. ACC cannot and does not guarantee continuous, uninterrupted or secure access to the Web site.
Proprietary Rights

All rights, title and interest in this Web site and any content contained herein is the exclusive property of ACC, except as otherwise stated. Unless otherwise specified, this Web site is for your personal and non-commercial use only and you may print, copy and download any information or portion of this Web site for your personal use only. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, frame, create derivative works from, transfer, or otherwise use in any other way for commercial or public purposes in whole or in part any information, software, products or services obtained from this Web site, except for the purposes expressly provided herein, without ACC’s prior written approval. If you copy or download any information or software from this Web site, you agree that you will not remove or obscure any copyright or other notices or legends contained in any such information.
Links

This Web site contains links to third party Web sites. These links are provided only as a convenience to you. The inclusion of any link is not and does not imply an affiliation, sponsorship, endorsement, approval, investigation, verification or monitoring by ACC of any information contained in any third party Web site. In no event shall ACC be responsible for the information contained on that site or your use of or inability to use such site. You should also be aware that the terms and conditions of such site and the site’s privacy policy may be different from those applicable to your use of this Web site.

Miscellaneous

These terms of Use shall be governed by and construed in accordance with the laws of the state of Alabama without regard to conflicts of the law’s provisions. Sole and exclusive jurisdiction for any action or proceeding arising out of or related to these Terms of Use shall be in an appropriate state or federal court located in the County of Mobile, State of Alabama, and the parties unconditionally waive their respective rights to a jury trial. Any cause of action you may have with respect to your use of this Web site must be commenced within one (1) year after the claim or cause of action arises. If for any reason a court of competent jurisdiction finds any provision of these Terms of Use, or a portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to affect the intent of these Terms of Use, and the remainder of these Terms of Use shall continue in full force and effect. Except for the Account agreement Privacy Policy respecting any Account you may have with ACC; these Terms of Use constitutes the entire agreement between ACC and you with respect to this site and it supersedes all prior or contemporaneous communications, agreements and understandings between ACC and you with respect to the subject matter hereof. If you have any questions regarding these Terms of Use, this Site, or the Service, please contact us.

More questions? Let us know!

  • Send
default
Loading posts...
link_magnifier
#6E787E
on
fadeInDown
loading
#6E787E
off