City of Pontiac pawnbroker bonds.
$275. Five minutes.
The City of Pontiac requires every pawnbroker and secondhand dealer to file a $3,000 surety bond as a condition of its city license. Ours is $275 flat — 3% of $3,000 is below our $275 minimum, so $275 is the price. The application is five minutes, with no credit check on this bond.
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Three steps. One sitting.
City 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.
Pay & e-sign
Small fixed-amount license bonds like this issue right after purchase. At most, 1–2 business days.
File with the City of Pontiac
Your executed bond and power of attorney arrive by email, ready to file with the City of Pontiac Clerk with your pawnbroker / secondhand dealer license. Wet-ink original mailed on request.
The whole pricing page.
$3,000 bond × 3% = $90, below our $275 minimum, so $275 one-time per term. Fixed amount, fixed price, multi-year if you want it.
What it is and who needs it.
What the bond actually guarantees
A pawnbroker / secondhand dealer bond is a consumer- and law-enforcement protection guarantee. As a pawnbroker you take in property as collateral and resell secondhand goods — the City of Pontiac wants a financial backstop that you'll keep proper records, return pledged property, and follow the city's licensing rules.
It's a three-party arrangement: you (the principal), the surety carrier, and the City of Pontiac (the obligee), with your customers and the public as the protected parties. If a dealer violates the licensing ordinance or wrongfully keeps a customer's pledged property, a harmed party can recover against the bond.
The bond must stay active for as long as you hold the city license. Let it lapse and the City can suspend or decline to renew — so we track it and notify you 60 and 30 days out, keeping your $3,000 filing continuous.
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 City of Pontiac pawnbroker bond? +
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Is there a credit check? +
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Other New York bonds.
Finish your Pontiac license checklist today.
$275 flat, five-minute application, bond often issued in the same sitting. Free until issued.