AZ collection agency bonds.
0.5% of the bond amount.
Arizona licenses collection agencies through the Department of Insurance and Financial Institutions, and the license requires a surety bond under A.R.S. § 32-1021 — $10,000 to $35,000, computed on the gross annual income your agency generates from Arizona business. Ours is 0.5% of the bond amount, $100 minimum, the bond issues the moment you pay, and any credit screen is a soft pull only — it never affects your score.
Trusted by industry leaders
Apply to filed in one sitting.
No underwriting queue for the standard collection agency bond — enter your amount, pay, and file with your license. Here is the whole thing:
Apply online
Your agency details, NMLS ID, the bond amount your income tier requires, and the effective date — that is the entire application. If a credit check runs, it is a soft pull only — it never affects your score.
Issued the moment you pay
This bond is checkout-priced — the premium is 0.5% of the bond amount you enter, $100 minimum, and the executed bond is generated when you pay.
File with your license
Your executed bond and power of attorney arrive by email, ready to submit with your Arizona collection agency license application or renewal through NMLS. Wet-ink original mailed on request.
What it is and who needs it.
What the collection agency bond guarantees
Arizona requires every licensed collection agency to file a surety bond under A.R.S. § 32-1021, in the form set by § 32-1022. The bond amount is computed on a base of the gross annual income the licensee generates from all business transacted in Arizona — collecting from Arizona debtors, operating from an Arizona office, or collecting for Arizona creditors all count toward the base.
It's a three-party arrangement: your agency (the principal), the surety carrier, and the state (the obligee), with the creditors whose claims you collect as the protected parties. If your agency collects money and fails to remit it, or otherwise violates the licensing article, the harmed party can recover against the bond — and if the surety pays, your agency repays the surety.
The tiers are statutory, not negotiated: $10,000 for gross Arizona income up to $250,000, $15,000 to $500,000, $25,000 to $750,000, and $35,000 above that. The bond must stay on file for the life of the license — we track the term and send renewal notices 60 and 30 days out.
You need this bond if you're
One application, issued instantly.
Enter the bond amount your income tier requires and the executed bond generates at checkout — 0.5% of the bond amount, $100 minimum. Any credit check is a soft pull only, never a hard inquiry.
Start the application →Common questions.
Other Arizona bonds.
Finish your license checklist today.
0.5% of the bond amount, $100 minimum, issued the moment you pay. Free until issued.