IL certificate of title bonds.
Flat 3%. Enter your amount.
When you can't prove ownership of a vehicle, Illinois lets you get a bonded title — file a surety bond under 625 ILCS 5/3-109 and the Secretary of State issues the title. We write it at a flat 3% with no credit check; the amount is 1.5 times the vehicle's current wholesale value.
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Apply to bonded title in one sitting.
No underwriting queue for the standard title bond — enter your amount, pay, and file with the Secretary of State. Here is the whole thing:
Apply online
Your details, the vehicle, and the bond amount (1.5× the vehicle's wholesale value) — that is the entire application.
Issued on the spot
No credit check and no waiting — the executed bond is generated as soon as you pay. Larger amounts may get a quick review.
File with the Secretary of State
Submit the executed bond with your title application to get your bonded title. Wet-ink originals mailed whenever the office insists.
The whole pricing page.
Bond amount × 3% = your premium, one-time, $275 minimum. Bond amount is 1.5× the vehicle's wholesale value — enter it and the premium updates.
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, Illinois lets you establish ownership with a bonded title under 625 ILCS 5/3-109. You post a surety bond, the Secretary of State 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 one-half times the vehicle's current wholesale value, as the Secretary of State requires. You establish value from a recognized valuation guide. The bond indemnifies any prior owner, lienholder, or subsequent purchaser against loss from the issuance of the title.
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 Illinois title bond is automatically released three years after filing unless a claim is pending, after which a clean title issues.
You need this bond if you are
Five minutes, 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 file.
Start the application →Common questions.
If yours isn't here, the bond team can usually answer within the hour.
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Other New York bonds.
Bonded title, issued today.
Five-minute application, flat 3%, $275 minimum. Enter your amount and file with the Secretary of State the same day.