KY pawnbroker bonds.
$275 flat. Five minutes.
Kentucky requires every licensed pawnbroker to file a $1,000 bond with the city or county that granted the license, under KRS 226.020. At 3% the premium would be $30, but our minimum is $275 flat — and license bonds like this are the fastest thing we issue, with no credit check.
Trusted by industry leaders
Three steps. One sitting.
License bonds are the simplest thing in surety. Here's the entire process:
Apply online
Business details and an effective date. That's the application — no financials, no credit check section, no follow-up scavenger hunt.
Pay & e-sign
License bonds like this are among the thousands of bond types that issue right after purchase. At most, 1–2 business days.
File with your city or county
Your executed bond arrives by email, ready to file with the city or county that grants your pawnbroker license. Wet-ink original mailed on request.
The whole pricing page.
$1,000 bond × 3% = $30, which is below our $275 minimum — so the premium is $275, one-time per term. Multi-year terms if you want it.
What it is and who needs it.
What the bond actually guarantees
Kentucky licenses pawnbrokers at the city or county level, and KRS 226.020 conditions that license on a $1,000 surety bond running to the licensing city or county. The bond is a compliance guarantee: it stands behind your obligation to observe KRS 226.030 to 226.050 and the local ordinances governing how you run the pawn business.
It's a three-party arrangement: you (the principal), the surety carrier standing behind you, and the city or county that licenses you (the obligee), with your pledgors as the protected parties. If a pawnbroker violates the statute — mishandling pledged goods or a customer's money — the harmed party can recover against the bond.
The bond must stay active for the life of your license — it's filed annually with your license. Let it lapse and the city or county can pull the license, so we track it and notify you 60 and 30 days out. It is not insurance for you: if the surety pays a claim, you repay the surety.
You need this bond if you're
Five minutes. The whole thing.
These are the actual issuing fields — no credit check section, because this bond doesn't have one.
Start the application →Common questions.
If yours isn't here, the bond team can usually answer within the hour.
How much is the Kentucky pawnbroker bond? +
Do I pay the $1,000? +
Who do I file the bond with? +
Is there a credit check? +
When does it renew? +
Other New York bonds.
Finish your pawnbroker license checklist today.
$275 flat, five-minute application, bond often issued in the same sitting. Free until issued.