Terms & Conditions

Last updated: July 2026

These Terms & Conditions (“Terms”) govern your access to and use of the Stearn Lending website and services. By using our website or submitting an enquiry or application, you agree to these Terms. If you do not agree, please do not use our website.

Eligibility

You must be at least 18 years old and legally able to enter into a binding agreement to use our services. Lending products are offered subject to eligibility, verification, and affordability assessment.

Use of the Website

You agree to use our website lawfully and not to:

• Provide false, inaccurate, or misleading information;
• Interfere with or disrupt the website or its security;
• Attempt to gain unauthorised access to any part of the website or its systems;
• Use the website for any unlawful or fraudulent purpose.

Loan Enquiries and Applications

Submitting an enquiry or application does not constitute an offer of credit or a guarantee of approval. All applications are individually assessed against our lending criteria, and any offer is subject to verification, affordability, and the terms of a separate loan agreement.

Accuracy of Information

You are responsible for ensuring that the information you provide is accurate and complete. Illustrative figures, rates, and terms shown on our website are examples only and may vary based on your circumstances.

Intellectual Property

All content on this website, including text, graphics, logos, and design, is the property of Stearn Lending or its licensors and is protected by applicable intellectual-property laws. You may not reproduce or reuse it without our permission.

Third-Party Links

Our website may link to third-party websites. We are not responsible for their content, availability, or practices, and such links do not imply endorsement.

Disclaimers

Our website and its content are provided on an “as is” and “as available” basis. We do not provide financial, legal, or tax advice, and nothing on this website should be relied upon as such. Please see our Disclaimer for more information.

Limitation of Liability

To the fullest extent permitted by law, Stearn Lending shall not be liable for any indirect, incidental, or consequential loss arising from your use of, or inability to use, our website.

Changes to These Terms

We may update these Terms from time to time. Continued use of our website after changes are posted constitutes acceptance of the revised Terms.

Governing Law

These Terms are governed by the applicable laws of the jurisdiction in which Stearn Lending operates, and any disputes will be subject to the appropriate courts of that jurisdiction.

Contact Us

For questions about these Terms, contact us at info@stearnlending.com, call +1 (540) 715-0048, or write to 101 W Frederick St, Staunton, VA 24401, United States.