Terms and Conditions

These Terms and Conditions ("Terms," "Agreement") constitute a legally binding agreement between you ("User," "you," or "your") and Sterling Gap Loan Company ("Company," "we," "us," or "our"), governing your access to and use of our website located at sterlinggap.com (the "Site") and any related services, content, or loan products offered through the Site.

BY ACCESSING, BROWSING, OR USING THE SITE, OR BY APPLYING FOR ANY LOAN PRODUCT, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS. If you do not agree to these Terms, you must immediately discontinue use of the Site and not apply for any products or services.

These Terms apply to all visitors, users, applicants, and borrowers. Additional terms may apply to specific products or services, which will be provided to you at the time of application or account opening.

To apply for loans or use certain features of the Site, you must meet the following minimum eligibility criteria:

• Be at least 18 years of age (or the age of majority in your jurisdiction)
• Be a legal resident of the United States or a U.S. territory where we offer services
• Have a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
• Have a verifiable source of income or acceptable collateral
• Not be subject to any legal restrictions that would prevent you from entering into a binding contract
• For business loans: Be an authorized representative of a legally registered business entity in good standing

Identity Verification: We may require additional documentation to verify your identity, income, employment, or collateral. Failure to provide accurate, complete, or current information may result in denial of your application or termination of your account.

3.1 Application Submission

When you submit a loan application through the Site, you represent and warrant that:

• All information provided is true, accurate, current, and complete
• You have the legal authority to apply for the requested loan product
• You authorize us to verify the information provided through third-party sources

3.2 Credit Inquiry Authorization

By submitting an application, you expressly authorize Sterling Gap Loan Company and its affiliates to:

• Obtain consumer or business credit reports from one or more credit reporting agencies
• Verify employment, income, bank account information, and other financial data
• Share application information with potential funding partners or investors as necessary to process your request

3.3 No Guarantee of Approval

Submission of an application does not guarantee loan approval. All applications are subject to underwriting review, credit evaluation, collateral assessment, and final approval by Sterling Gap Loan Company. Approval decisions are at our sole discretion.

If your application is approved, the specific terms of your loan including principal amount, interest rate, APR, repayment schedule, fees, and collateral requirements will be detailed in a separate Loan Agreement or Promissory Note ("Loan Documents").

4.1 Interest Rates & Fees

Interest rates may be fixed or variable, as specified in your Loan Documents. Variable rates may adjust periodically based on a published index. All applicable fees including origination fees, late fees, or servicing fees will be disclosed before you sign your Loan Documents.

4.2 Prepayment

Sterling Gap does not charge prepayment penalties. You may pay off your loan in full or make additional principal payments at any time without penalty. Payments will be applied first to accrued interest and fees, then to principal.

4.3 Use of Proceeds

Loan proceeds must be used for the purpose stated in your application. Using funds for illegal activities, gambling, speculative investments, or any purpose prohibited by law or these Terms constitutes a default under your Loan Agreement.

By accepting a loan, you agree to repay the principal, interest, and any applicable fees according to the schedule in your Loan Documents.

5.1 Payment Methods

Payments may be made via:

• Automated Clearing House (ACH) debit from a verified U.S. bank account
• Wire transfer (fees may apply)
• Check by mail to the address specified in your Loan Documents
• Other methods as approved in writing by Sterling Gap

5.2 Payment Timing

Payments are due on the date specified in your payment schedule. Payments received after 5:00 PM ET on the due date may be considered late. Weekend or holiday due dates are not extended unless explicitly stated in your Loan Documents.

5.3 Insufficient Funds

If a payment is returned due to insufficient funds, account closure, or other reasons, you may be charged a returned payment fee (where permitted by law) and remain responsible for the full payment amount. Repeated returned payments may constitute an event of default.

5.4 Payment Allocation

Unless otherwise required by law, payments will be applied in the following order: (1) accrued fees, (2) accrued interest, (3) principal balance.

An "Event of Default" occurs if you:

• Fail to make a payment when due and the failure continues for more than 15 days
• Provide false, misleading, or incomplete information in your application or Loan Documents
• Breach any covenant, representation, or warranty in your Loan Agreement
• File for bankruptcy, become insolvent, or have a receiver appointed over your assets
• Use loan proceeds for unlawful purposes
• Fail to maintain required collateral or insurance

6.1 Consequences of Default

Upon an Event of Default, Sterling Gap may, at its option and without further notice:

• Declare the entire unpaid principal balance, accrued interest, and fees immediately due and payable
• Charge late fees or default interest as permitted by your Loan Documents and applicable law
• Exercise rights to seize or liquidate collateral securing the loan
• Report the default to credit reporting agencies
• Pursue legal remedies, including litigation and collection actions

6.2 Collection Practices

Sterling Gap and any third-party collection agencies we engage comply with the Fair Debt Collection Practices Act (FDCPA) and applicable state laws. We do not engage in harassment, false representations, or unfair practices in collecting debts.

Your privacy is important to us. Our collection, use, and sharing of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

7.1 Information We Collect

We collect information you provide directly (applications, communications), automatically through Site usage (cookies, analytics), and from third parties (credit bureaus, verification services).

7.2 How We Use Your Information

Your information may be used to:

• Process applications, underwrite loans, and service accounts
• Verify identity, prevent fraud, and comply with legal obligations
• Communicate with you about your accounts, products, or promotions
• Improve our Site, services, and customer experience
• Perform analytics and business operations

7.3 Information Sharing

We do not sell your personal information. We may share your information with:

• Service providers who assist in loan processing, underwriting, and servicing
• Credit reporting agencies and fraud prevention services
• Regulatory authorities as required by law
• Successors in interest in connection with a merger, acquisition, or sale of assets

Your Rights: Depending on your jurisdiction, you may have rights to access, correct, delete, or restrict processing of your personal information. Contact our Privacy Officer at privacy@sterlinggap.com to exercise these rights.

All content on the Site including text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software is the property of Sterling Gap Loan Company or its content suppliers and is protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

8.1 Limited License

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for personal, non-commercial purposes related to applying for or managing loans with Sterling Gap. You may not:

• Reproduce, distribute, modify, or create derivative works of Site content
• Use any data mining, robots, or similar gathering tools on the Site
• Attempt to bypass security measures or interfere with Site functionality
• Use the Site for any unlawful purpose or in violation of these Terms

8.2 Trademarks

"Sterling Gap," the Sterling Gap logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Sterling Gap Loan Company. You may not use these marks without our prior written permission.

Please read this section carefully. It affects your legal rights, including your right to file a lawsuit in court.

9.1 Informal Resolution First

Before initiating arbitration or litigation, you agree to contact us at complaints@sterlinggap.com to attempt informal resolution. We will respond within 30 days.

9.2 Arbitration Procedures

If informal resolution fails, disputes will be resolved by neutral arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules. The arbitration will be held in Wake County, Tucson, Arizona, or another mutually agreed location. Judgment on the award may be entered in any court of competent jurisdiction.

9.3 Small Claims Exception

Either party may bring an individual claim in small claims court (or its equivalent) if the claim qualifies, provided the action remains individual and is not consolidated with other claims.

9.4 Governing Law

These Terms and any disputes arising from them shall be governed by the laws of the State of Tucson, Arizona, without regard to its conflict of laws principles. You agree to submit to the personal jurisdiction of state and federal courts located in Wake County, Tucson, Arizona, for any claims not subject to arbitration.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, STERLING GAP LOAN COMPANY AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF THE SITE OR LOAN PRODUCTS.

Our total aggregate liability to you for any claim arising from these Terms or your use of our services shall not exceed the total amount of fees paid by you to Sterling Gap in the twelve (12) months preceding the event giving rise to the claim.

10.1 No Warranties

The Site and loan products are provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or completely secure.

10.2 Third-Party Content

The Site may contain links to third-party websites or resources. We provide these links for convenience only and do not endorse, monitor, or assume responsibility for any third-party content, products, services, or privacy practices. Accessing external links is at your own risk.

Sterling Gap reserves the right to modify or update these Terms at any time at our sole discretion. When we make changes, we will post the updated Terms on the Site and update the "Last Updated" date at the bottom of this page.

Your Continued Use: Your continued access to or use of the Site after the effective date of revised Terms constitutes your acceptance of the changes. If you do not agree to the modified Terms, you must discontinue use of the Site and contact us to close any active accounts.

We encourage you to review these Terms periodically. Material changes affecting your rights or obligations will be communicated via email or Site notice at least 30 days before the effective date, where required by law.

If you have questions about these Terms, your loan, or our practices, please contact us:

These Terms were last updated on: April 7, 2026