Nevada earned wage access bonds.
$700 flat.
Nevada licenses earned wage access providers through the Commissioner of Financial Institutions, and the license requires a $35,000 surety bond under NRS 604D.250. Ours is $700 flat — the price you see is the checkout price. The application includes a soft credit pull only — it never affects your score.
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How much does a Nevada earned wage access bond cost?
$700 at the $35,000 amount, the same for every applicant.
Three steps. One sitting.
The bond side of your Commissioner license is the easy part. Here's the entire process:
Apply online
Business details, an effective date, and a soft-pull credit consent — a soft inquiry only, so it never affects your score. That is the application.
Pay & e-sign
This bond is checkout-priced at $700 flat, so it issues the moment you pay — no quote round-trip, no waiting on an underwriting queue.
File with the Commissioner
Your executed bond and power of attorney arrive by email, ready to file with your earned wage access provider license application or annual renewal. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
Nevada was the first state to license earned wage access — services that deliver a consumer's earned but unpaid income ahead of the regular payday, whether integrated with an employer's payroll or offered direct to consumers. Chapter 604D conditions that license, issued by the Commissioner of Financial Institutions, on a $35,000 surety bond payable to the State of Nevada.
It's a three-party arrangement: you (the principal), the surety carrier, and the State of Nevada (the obligee), securing the licensee's faithful performance of its obligations under the earned wage access statute. A creditor or claimant harmed by a licensee's failure to perform can recover against the bond, and the Commissioner administers the bonding requirement, including approving the bond's form.
It is not insurance for you — if the surety pays a claim, you repay the surety. Nevada licenses run on a calendar year and expire December 31, with renewal filed between November 1 and December 31, so the bond has to stay in force through that cycle. We track the term and send renewal notices 60 and 30 days out to keep your $35,000 filing continuous.
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 $35,000 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; a longer term is the same price per year, chosen at checkout.
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 Commissioner. Your executed bond and power of attorney arrive by email, ready to file with your earned wage access provider license application or annual renewal. Wet-ink original mailed on request.
What sets the price
The premium is fixed at $700 at the $35,000 amount for every applicant: the carrier’s rate book prices this bond by the form, not by your credit or your business profile.
One soft credit pull, never a hard inquiry, and it 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, an effective date, and a soft-pull credit consent that never affects your score.
Start the application →Common questions.
Other Nevada bonds.
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Price and requirements checked on the carrier’s application, . Page updated .
Finish your Commissioner license today.
$700 flat, issued the moment you pay, soft pull only. Free until issued.