Arizona collection agency bonds.
From $100.
Arizona licenses collection agencies through the Department of Insurance and Financial Institutions, and the license requires a surety bond of $10,000 to $35,000 under A.R.S. § 32-1021, computed on the gross annual income your agency generates from Arizona business. Ours is 0.5% of the bond amount, $100 minimum.
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How much does an Arizona collection agency bond cost?
0.5% of the bond amount, from $100. Enter your amount in the calculator for the exact price.
Three steps. 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 application. No credit check up to $200,000. Above that, the carrier may run a soft pull, which 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
Claims, renewal, filing, and what sets the price.
If a claim is made
A claim comes from the party the bond protects, the obligee named on the form, when the duty the bond guarantees is not met.
The surety investigates and pays a valid claim, up to the bond amount. You then repay the surety: a surety bond is a guarantee of your performance, not insurance for you.
Renewal and term
The premium covers a one-year term from the effective date you choose.
Renew before the expiry date to keep the bond in force: the license, permit or contract it backs expects continuous coverage.
How to file it
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 sets the price
The premium is 0.5% of the bond amount, $100 minimum: the amount the obligee sets moves the price, not your business profile.
No credit check up to $200,000. Above that, the carrier may run a soft pull, which never affects your score.
Where a check runs, it decides approval; the rate is the same for everyone approved.
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. No credit check up to $200,000. Above that, the carrier may run a soft pull, which never affects your score.
Start the application →Common questions.
Other Arizona bonds.
The same bond in nearby states.
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Finish your license checklist today.
0.5% of the bond amount, $100 minimum, issued the moment you pay. Free until issued.