KS supervised loan bonds.
1% rate. $100 minimum.
Kansas licenses supervised lenders — consumer lenders whose loans carry rates above the statutory threshold — through the Office of the State Bank Commissioner under the Uniform Consumer Credit Code. K.S.A. 16a-2-302 requires a surety bond of at least $100,000, approved by the administrator and filed through NMLS. The premium is 1% of the bond amount, $100 minimum, the bond issues the moment you pay, and any credit screen is a soft pull only — it never affects your score.
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Three steps. One sitting.
The supervised loan bond is a standard NMLS electronic surety bond. Here is the entire process:
Apply online
Business details, your bond amount, an effective date, and a term. Any credit screen is a soft pull that never shows as a hard inquiry.
Pay & e-sign
This bond is rate-priced at 1% of the bond amount ($100 minimum), so it issues the moment you pay — your executed bond and power of attorney generate on the spot.
File through NMLS
Kansas takes this bond as an electronic surety bond through NMLS. Your executed bond is delivered ready to associate with your license record, and we coordinate the ESB filing with the carrier.
What it is and who needs it.
What the bond actually guarantees
Kansas regulates supervised loans — consumer loans with annual percentage rates above the UCCC threshold — through the Office of the State Bank Commissioner's Division of Consumer and Mortgage Lending. K.S.A. 16a-2-302 makes a surety bond of at least $100,000, approved by the administrator, a condition of the supervised loan license, and Kansas receives it electronically through NMLS.
It's a three-party arrangement: you (the principal), the surety carrier, and the administrator (the obligee). The bond secures your compliance with the Uniform Consumer Credit Code — the rate, disclosure, and conduct rules that protect Kansas consumers who borrow from supervised lenders.
It is not insurance for you — if the surety pays a claim, you repay the surety. The statute requires the bond to remain in effect for two years after the license is surrendered, revoked, or expires, so plan for the tail when you wind a license down; while licensed, the bond must stay continuously on file, and we 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, your bond amount, an effective date, and a term. That is the entire application.
Start the application →Common questions.
Other Kansas bonds.
Get your supervised loan license bonded today.
1% of the bond amount, $100 minimum, issued the moment you pay. Soft pull only, free until issued.