Bond cost index
Small Loan Lender Bond Cost
Small loan lender bonds, sometimes called consumer loan bonds, are the surety bonds states require of companies licensed to make small-dollar consumer loans. The bond backstops the lender's compliance with state small-loan law.
How much does a small loan lender bond cost?
Bond amount is set by each state's regulator, frequently per licensed location. Premium runs 1 to 3 percent of the bond amount for well-qualified lenders. Term is usually one to three years. Premium for a small loan lender runs about 1% to 15% of the bond amount per year, set by underwriting based on credit and financials.
Data as of 2026-06-17. Methodology v1.
Bond amount is set by each state's regulator, frequently per licensed location. Premium runs 1 to 3 percent of the bond amount for well-qualified lenders. Term is usually one to three years.
The bond amount for this bond is set by the obligee on a case-by-case basis rather than by a statewide statute, so there is no per-state table. These are estimated ranges, not quotes. Final premium is set by underwriting and depends on the bond amount, your credit and financials, the bond class, and the obligee. A firm number takes a short application.