MI certificate of title bonds.
Flat 3%. Enter your amount.
When you can't prove ownership of a vehicle, Michigan lets you get a bonded title — file a surety bond under MCL 257.217 (form TR-121) and the Secretary of State issues the title. We write it at a flat 3% with no credit check; the amount is twice the vehicle's 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 take the executed bond to the Secretary of State. Here is the whole thing:
Apply online
Your details, the vehicle, and the bond amount (twice the vehicle's 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
Take the executed Vehicle Uniform Surety Bond (form TR-121) to a Secretary of State office 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 twice the vehicle's 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, Michigan lets you establish ownership with a bonded title under MCL 257.217. 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 Secretary of State requires a bond when it is not satisfied as to ownership of a vehicle worth more than $2,500 or less than 10 years old. The bond amount is two times the vehicle's current value, and it must be valid for at least three years from its date of issue.
The bond guarantees reimbursement of the Secretary of State, any prior owner, and any subsequent purchaser or lessee — including reasonable attorney's fees — against loss from the issuance of the bonded title. If a valid superior claim is paid, you repay the surety; it is not insurance for you. It is filed on form TR-121.
You need this bond if you are
Five minutes, issued on the spot.
Submit the application with your bond amount (twice the vehicle's value) — the executed title bond is generated instantly, ready to take to the Secretary of State.
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 take it to the Secretary of State the same day.