Arkansas certificate of title bonds.
From $100.
When you can’t prove ownership of a vehicle, Arkansas lets you get a bonded title — file a surety bond under A.C.A. 27-14-409 and the DFA Office of Motor Vehicles issues the title. We price it at 0.9% of the bond amount, $100 minimum — no credit check up to $100,000; the amount is 1.5× the vehicle’s appraised value.
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How much does an Arkansas certificate of title bond cost?
0.9% of the bond amount, from $100. Enter your amount in the calculator for the exact price.
Apply to bonded title in one sitting.
No underwriting queue for the standard title bond — enter your amount, pay, and take the executed bond to the Office of Motor Vehicles. Here is the whole thing:
Apply online
Your details, the vehicle, and the bond amount (1.5× the vehicle’s value) — that is the application.
Issued on the spot
Most amounts are issued instantly, no waiting — the executed bond is generated as soon as you pay.
File with the Office of Motor Vehicles
Take the executed bond and your supporting documents to the DFA Office of Motor Vehicles to get your bonded title. Wet-ink originals mailed whenever the office insists.
Getting a bonded title in Arkansas, step by step.
Arkansas Department of Finance and Administration (DFA), Office of Motor Vehicle, Bonded Titles, then a State Revenue Office handles it. The bond amount is 1.5 times the vehicle's value as DFA determines it, set in your approval letter. The bond lasts 3 years from the bond's effective date; the bond must be irrevocable for that period.
Get the VIN verified by law enforcement
Have a certified Arkansas city or county law enforcement officer, or the Arkansas State Police or its designee, verify the VIN on the State Police form. You also need a bill of sale.
Mail Form 10-345 to DFA
Complete Form 10-345, Statement of Facts for Issuance of a Bonded Title, explaining how and from whom you got the vehicle. Mail it with the bill of sale and VIN verification to DFA, Office of Motor Vehicle - Bonded Titles, P.O. Box 1272, Little Rock, AR 72203.
Wait for DFA's approval letter
DFA checks its records and sends either bond forms with an approval letter that sets the bond amount, or a letter explaining why you were not approved. Allow 10 to 25 business days.
Buy the bond for the approved amount
Buy the bond for the amount in the approval letter, on the bond forms DFA sends; it must be irrevocable for 3 years and signed by you and the surety. A bank certificate of deposit with assignment or an irrevocable letter of credit is also accepted.
File at a revenue office within 30 days
Bring the bond, the approval letter, a signed Application for Title or Replacement Title, the surety's original power of attorney, and the title fees and taxes to a State Revenue Office. A bond presented more than 30 days after its effective date is not accepted.
Receive your bonded title
The office checks that the bond amount, 3-year term and vehicle description match your approval and application. Your bonded title is then issued.
Who qualifies
- The vehicle must be a type Arkansas requires to be titled, and it must be in your possession and control.
- Not available for vehicles with a junking certificate or similar title brand, vehicles under a mechanic's or storage lien, stolen vehicles, or vehicles in an ownership lawsuit.
- The surety must hold an Arkansas certificate of authority to write surety bonds, unless DFA approves another guarantor.
State fees
- Title feepaid to Arkansas DFA, at the State Revenue Office
- $10
These are the state’s fees. The bond premium is separate and shown in the price card.
After the bond
Deliver the bond, DFA's approval letter and your signed title application to a State Revenue Office within 30 days of the bond's effective date, or it will not be accepted. The bonded title is issued once the office confirms the bond matches the vehicle.
Checked on 22 October 2026 against DFA Form 10-345: Statement of Facts for Issuance of a Bonded Title, DFA Regulation 1993-3: Bonded Title Regulation, DFA: Motor Vehicle Forms and DFA: Motor Vehicle Registration Fee Schedule. Rules and fees change; the agency’s own page has the final word.
What it is and who needs it.
What the bonded title actually does
When you buy or inherit a vehicle and the paperwork is missing, lost, or defective, Arkansas lets you establish ownership with a bonded title under A.C.A. 27-14-409. You post a surety bond, the DFA Office of Motor Vehicles issues a certificate of title in your name, and the bond protects anyone who later proves a superior claim to the vehicle.
The bond amount is one and a half times the vehicle’s appraised value as determined for the Office of Motor Vehicles. The OMV provides your required bond amount, so you don’t have to guess — bring it to us and we issue at that figure.
If someone with a better claim comes forward and is harmed, they can recover against the bond — and if the surety pays, you repay the surety. The Arkansas title bond runs a three-year term; if no valid claim is made in that window, a clean (non-bonded) certificate of title issues.
You need this bond if you are
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 carrier issues this bond for a single three-year term; the term cannot be changed at checkout.
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 the Office of Motor Vehicles. Take the executed bond and your supporting documents to the DFA Office of Motor Vehicles to get your bonded title. Wet-ink originals mailed whenever the office insists.
What sets the price
The premium is 0.9% of the bond amount, $100 minimum: the amount the obligee sets moves the price, not your business profile.
No credit check up to $100,000. 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 on the spot.
Submit the application with your bond amount (1.5× the vehicle’s value) — the executed title bond is generated instantly, ready to take to the Office of Motor Vehicles.
Start the application →Common questions.
Other Arkansas bonds.
The same bond in nearby states.
Price and requirements checked on the carrier’s application, . Page updated .
Bonded title, issued today.
The bond issues the moment you pay — no credit check up to $100,000. Enter your amount and take it to the Office of Motor Vehicles the same day.