KY consumer loan company bonds.
$600 flat.
Kentucky licenses consumer loan companies through the Department of Financial Institutions under KRS Subtitle 286.4, and KRS 286.4-410 conditions the license on a surety bond, filed through NMLS. This is the $100,000 bond for privately held companies — publicly traded lenders post $250,000 instead. Ours is $600 flat, the price you see is the checkout price, and the bond issues the moment you pay. Any credit screen is a soft pull only — it never affects your score.
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Three steps. One sitting.
Consumer loan license bonds are among the simplest filings in surety. 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 $600 flat, so it issues the moment you pay — your executed bond and power of attorney generate on the spot.
File through NMLS
Kentucky consumer loan company bonds are filed through NMLS for the DFI's review. Your executed bond arrives by email, ready to attach to your license record — wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
Kentucky's consumer loan company law, KRS Subtitle 286.4, licenses lenders that make small consumer loans at the rates the subtitle authorizes — administered by the Department of Financial Institutions through NMLS. Under KRS 286.4-410, the license rides on a surety bond: $100,000 for a privately held company, $250,000 for a publicly traded one.
It's a three-party arrangement: you (the principal), the surety carrier, and the Commonwealth of Kentucky (the obligee). The bond stands behind your compliance with Subtitle 286.4 — the licensing, rate, and conduct rules that protect Kentucky borrowers — and gives a consumer harmed by a violation a source of recovery up to the bond amount.
It is not insurance for you — if the surety pays a claim, you repay the surety. The bond must stay on file for the life of the license and cannot lapse without notice to the DFI, so it has to remain continuously in force; 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 Kentucky bonds.
Finish your consumer loan license today.
$600 flat, issued the moment you pay, soft pull only. Free until issued.