NV deferred deposit & title loan bonds.
1% of the bond amount.

Every Nevada license under NRS Chapter 604A — deferred deposit loans, high-interest loans, title loans, and check-cashing services — comes with a surety bond payable to the State of Nevada. NRS 604A.610 sets it at $50,000 plus $5,000 for each branch location operated under the license. The premium is 1% of the bond amount, $100 minimum, 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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Required for every Nevada 604A license — deferred deposit, high-interest, title loan, check-cashing

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Amount is $50,000 plus $5,000 per branch location under NRS 604A.610

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1% of the bond amount, $100 minimum — exact price at the application, issued the moment you pay

1% rate$100 minimumInstantissuance at checkoutSoft pullnever a hard inquiry

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How it works

Three steps. One sitting.

The 604A bond is amount-based — count your branches, enter the amount, and file. Here is the entire process:

NOW · ONLINE

Apply online

Business details, your bond amount ($50,000 plus $5,000 per branch), an effective date, and a term. Any credit screen is a soft pull that never shows as a hard inquiry.

INSTANTLY

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.

SAME DAY

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.

About this bond

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.

NRS 604A.610Section 604A.610 of the Nevada Revised Statutes requires each application for a license to be accompanied by a surety bond payable to the State of Nevada in the amount of $50,000, plus an additional $5,000 for each branch location at which the applicant proposes to do business under the license. Thereafter, each licensee must maintain the surety bond so that the amount remains $50,000 plus $5,000 for each branch location at which the licensee does business under the license. The bond is for the use and benefit of any customer receiving the services of the licensee at any location operated under the license.

You need this bond if you're

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Applying for a Nevada 604A license with the Division of Financial Institutions

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Operating a check-cashing service or making deferred deposit, high-interest, or title loans in Nevada

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Opening a branch location — each one adds $5,000 to the required bond

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Renewing or reinstating a license whose bond lapsed or was cancelled

One application, issued instantly.

These are the actual issuing fields — business details, the bond amount, an effective date, and a term. That is the entire application.

Start the application →

FAQ

Common questions.

How much is the Nevada deferred deposit and title loan bond?The premium is 1% of the bond amount, $100 minimum. A single-location $50,000 bond runs $500. Your exact price appears at the application, before you pay.

How do I calculate my bond amount?NRS 604A.610 sets $50,000 for the license, plus $5,000 for each branch location at which you do business under it. Two branches means $60,000; four means $70,000.

Does one bond cover all four license types?The bond is filed per license. Nevada issues separate 604A licenses for deferred deposit loans, high-interest loans, title loans, and check-cashing services, and each license carries its own NRS 604A.610 bond.

Is there a credit check?If a credit screen runs on this bond, it is a soft pull only — never a hard inquiry, and it never affects your score. The rate stays 1% of the bond amount either way.

Where do I file it?With the Nevada Division of Financial Institutions, as part of your Chapter 604A license application. We issue the executed bond ready to file; wet-ink originals are mailed on request.

Related bonds

Other Nevada bonds.

Get your Nevada 604A bond today.

1% of the bond amount, $100 minimum, issued the moment you pay. Free until issued.

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Your premiumfrom $100

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