Nevada deferred deposit & title loan bonds.
From $100.
Every Nevada license under NRS Chapter 604A (deferred deposit loans, high-interest loans, title loans, and check-cashing services) comes with a surety bond. NRS 604A.610 sets the bond at $50,000 plus $5,000 for each branch location operated under the license. The premium is 1% of the bond amount, $100 minimum.
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How much does a Nevada deferred deposit & title loan bond cost?
1% of the bond amount, from $100. Enter your amount in the calculator for the exact price.
Three steps. One sitting.
The 604A bond is amount-based — count your branches, enter the amount, and file. Here is the entire process:
Apply online
Business details, your bond amount ($50,000 plus $5,000 per branch), an effective date, and a term. No credit check up to $25,000.
Pay & e-sign
Your exact premium — 1% of the bond amount, $100 minimum — is shown before you pay, and the executed bond and power of attorney generate the moment you pay.
File with the Division
Your executed bond arrives by email, ready to file with your Nevada Division of Financial Institutions license application. Wet-ink original mailed on request.
What it is and who needs it.
What the 604A bond guarantees
Nevada regulates deferred deposit loans, high-interest loans, title loans, and check-cashing services under NRS Chapter 604A, licensed by the Commissioner of Financial Institutions. NRS 604A.610 requires each license application to be accompanied by a surety bond payable to the State of Nevada, and requires the licensee to keep that bond in place afterward.
The amount is formulaic: $50,000, plus an additional $5,000 for each branch location at which the applicant proposes to do business under the license. Open a branch and the bond has to grow with it.
The bond runs for the use and benefit of any customer receiving the licensee's services at any location operated under the license — it stands behind the Chapter 604A rate, disclosure, collection, and repayment-plan rules. It is not insurance for you: if the surety pays a claim, you repay the surety. We track the term and send renewal notices 60 and 30 days out.
You need this bond if you're
Claims, renewal, filing, and what sets the price.
If a claim is made
A claim comes from the party the bond protects, the obligee named on the form, when the duty the bond guarantees is not met.
The surety investigates and pays a valid claim, up to the bond amount. You then repay the surety: a surety bond is a guarantee of your performance, not insurance for you.
Renewal and term
The premium covers a one-year term from the effective date you choose.
Renew before the expiry date to keep the bond in force: the license, permit or contract it backs expects continuous coverage.
How to file it
File with the Division. Your executed bond arrives by email, ready to file with your Nevada Division of Financial Institutions license application. Wet-ink original mailed on request.
What sets the price
The premium is 1% of the bond amount, $100 minimum: the amount the obligee sets moves the price, not your business profile.
No credit check up to $25,000. Above that, the carrier may run a soft pull, which never affects your score.
Where a check runs, it decides approval; the rate is the same for everyone approved.
One application, issued instantly.
These are the actual issuing fields — business details, the bond amount, an effective date, and a term. That is the application.
Start the application →Common questions.
Other Nevada bonds.
Price and requirements checked on the carrier’s application, . Page updated .
Get your Nevada 604A bond today.
1% of the bond amount, $100 minimum, issued the moment you pay. Free until issued.