Colorado supervised lender bonds.
From $100.
Colorado’s Uniform Consumer Credit Code Administrator licenses supervised lenders, who make consumer loans above the usury threshold. C.R.S. 5-2-302 requires a surety bond to the Attorney General of $15,000, $20,000, or $25,000, tiered by prior-year Colorado loan volume. The premium is 1% of the bond amount, $100 minimum.
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How much does a Colorado supervised lender bond cost?
1% of the bond amount, from $100. Enter your amount in the calculator for the exact price.
Three steps. One sitting.
Supervised lender license bonds are a straightforward filing. Here's the entire process:
Apply online
Business details, your bond amount, branch addresses if one bond covers multiple licensed locations, an effective date, and a term. No credit check up to $25,000.
Pay & e-sign
The premium is 1% of the bond amount with a $100 minimum, and the bond issues the moment you pay — your executed bond and power of attorney generate on the spot.
File with the UCCC Administrator
Your executed bond arrives by email, ready to file with your supervised lender license at the Colorado Department of Law. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
Colorado's Uniform Consumer Credit Code requires a license to make supervised loans — consumer loans with an APR above the statutory threshold. C.R.S. 5-2-302 conditions the license on financial responsibility, satisfied by a surety bond in favor of the Attorney General of the State of Colorado for use by the UCCC Administrator. Rule 9 of 4 CCR 902-1 sets the amount: $15,000 for initial applicants and prior-year Colorado volume up to $500,000, $20,000 up to $1 million, and $25,000 above $1 million.
It's a three-party arrangement: you (the principal), the surety carrier, and the Attorney General (the obligee). The bond is conditioned on your compliance with the UCCC and its rules — the rate caps, disclosure duties, and conduct standards that protect Colorado borrowers. One bond can cover all your licensed locations, with an aggregate cap of $250,000.
It is not insurance for you — if the surety pays a claim, you repay the surety. The bond must stay continuously on file for as long as you hold 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 the UCCC Administrator. Your executed bond arrives by email, ready to file with your supervised lender license at the Colorado Department of Law. Wet-ink original mailed on request.
What sets the price
The premium is 1% of the bond amount, $100 minimum: the amount the obligee sets moves the price, not your business profile.
No credit check up to $25,000. 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.
These are the actual issuing fields — business details, your bond amount, branch addresses if any, an effective date, and a term. That is the application.
Start the application →Common questions.
Other Colorado bonds.
The same bond in nearby states.
Price and requirements checked on the carrier’s application, . Page updated .
Finish your supervised lender license today.
1% of the bond amount, $100 minimum, issued the moment you pay. Free until issued.