GA installment lender bonds.
$250 flat.
Georgia licenses installment lenders — lenders making consumer loans of $3,000 or less under the Georgia Installment Loan Act — through the Department of Banking and Finance, and O.C.G.A. § 7-3-21 requires a $25,000 surety bond for the primary location with the license application, filed through NMLS. Ours is $250 flat, the price you see is the checkout price, and it issues the moment you pay. Any credit screen is a soft pull only — it never affects your score.
Trusted by industry leaders
Three steps. One sitting.
The GILA bond is a standardized NMLS filing. Here's the entire process:
Apply online
Business details, an effective date, and a term. That is the entire application — no financials, and any credit screen is a soft pull that never shows as a hard inquiry.
Pay & e-sign
This bond is checkout-priced at $250 flat, so it issues the moment you pay — your executed bond and power of attorney generate on the spot.
File through NMLS
The executed bond is delivered ready to associate with your Georgia license record via NMLS electronic surety bond tracking, satisfying the Department of Banking and Finance.
What it is and who needs it.
What the bond actually guarantees
Georgia's Installment Loan Act governs lenders making consumer installment loans of $3,000 or less, licensed since 2020 by the Department of Banking and Finance through NMLS. O.C.G.A. § 7-3-21 requires an applicant to provide a corporate surety bond with its application — $25,000 for the primary location, plus $5,000 for each additional location, capped at $100,000 total. This page issues the $25,000 primary-location bond.
It's a three-party arrangement: you (the principal), the surety carrier, and the State of Georgia (the obligee). The bond stands behind your compliance with the Act — the rate caps, fee limits, and collection rules that protect Georgia's small-dollar borrowers. Damaged parties can recover against the bond if a licensee violates the law.
It is not insurance for you — if the surety pays a claim, you repay the surety. The bond is continuous, tracked through NMLS, and must stay on file as a condition 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.
These are the actual issuing fields — business details, an effective date, and a term. That is the entire application.
Start the application →Common questions.
Other Georgia bonds.
Finish your NMLS installment lender filing today.
$250 flat, issued the moment you pay, soft pull only. Free until issued.