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Small Loan Company Bond Guide

#1 Bond Writer with the Lowest Rates
Our high volume allows us to negotiate excellent rates.
100% Money Back Guarantee
Your bond will be accepted, or your money back.
Buy Your Bond Online
Fast online application process, instant approvals.
Get Bonded in Three Steps
  • 1. Apply Online
  • 2. Get Your Free Quote
  • 3. Buy Your Bond Online
Insurance brokers representing clients can apply here.

Why do you need a small loan company bond?

You are required to obtain a bond for your small loan company to protect your customers. If you do not follow your state's regulations, a claim can be filed on your bond.

If you're unsure whether you need a bond, you can select your state from the list below to view the bond requirements.

Select Your State
to Find a Surety Bond

What will your bond cost?

Bond costs are a small percentage of the bond amount and vary by applicant, bond amount and bond type. You can get a general idea of costs using our instant cost estimate tool. If you're ready for a firm quote, you can apply and get an exact quote instantly online.

Why our rates are so low

When it comes to surety bond insurance, there is safety in numbers. As the largest volume surety bond writer in the country, we are able to obtain the lowest rates from the strongest bonding company partners.


Frequent Questions

What is the bond process?

Apply, receive an instant quote, sign the indemnity agreement, pay online, and then we will ship the bond to you.

Can I get a surety bond with bad credit?

Yes. We have exclusive programs that allow us to write these bonds at the lowest rates possible, even if your personal credit is flawed. You can apply and receive an online quote instantly.

Do I need a bond in every state I offer loans in?

Not necessarily. However, you will need separate bonds for all states you operate in that require a bond. There is no blanket bond coverage, as each state bond form is a different guarantee. Take a look at our state requirement list to see if your state is listed. Should your state not be listed, contact the state directly to determine the bond requirements.

What types of businesses need to obtain this bond?

They include but are not limited to pawnbrokers, supervised lenders, credit service organizations and other loan brokers. However, every state has different requirements. Take a look at our state requirement list below. If you do not see your state, contact it directly to make sure you meet all requirements.

Can I get bonded nationwide?

Yes. We are licensed in all 50 states and offer higher surety credit limits than most other bond agencies, allowing you to get bonds nationwide.


Get Your Surety Bonds from the Best Bonding Companies
We work with the top A-rated, T-listed surety bond companies in the nation

Jennifer Henson
Our company has been with JW Surety for several years now so when we needed to obtain a bond for a new company, we immediately went to them for help. Our rep, Melissa, was extremely helpful and prompt which made the process extremely easy for me.
David Tillotson
Trying to get a local Surety Bond was like driving a car on three tires. I searched Surety Bonds and found JW Surety Bonds. I got online and filled out the information and with in 30 minutes received a response from Melissa. She was informative, friendly and helpful. One more super satisfied customer.

The Nation’s #1 Volume Surety Bond Service
Our company writes $4,000,000,000+ in bonds each year!
  • #1 Bond Writer
    We are the nation's largest volume bond producer.
  • Easy Process
    Fastest online surety bond application process; we approve bonds instantly.
  • Lowest Rates
    Our high volume allows us to negotiate lower rates on your behalf.
  • Claim Specialists
    Your JW surety bond agent will be your claims advocate when you need them most.

Don't wait days to get bonded. Get your surety bond instantly!

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