NH small loan lender bonds.
$250 flat.
New Hampshire requires every small loan, title loan, and payday loan licensee to post a $25,000 continuous surety bond payable to the State of New Hampshire and the bank commissioner under RSA 399-A:4 — filed through NMLS with your Banking Department license. Ours is $250 flat, the price you see is the checkout price, 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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Three steps. One sitting.
Small loan lender bonds are among the simplest filings in surety. Here's the entire process:
Apply online
Business details, an effective date, and a term. That is the entire application — no financial statements, and any credit screen is a soft pull that never shows as a hard inquiry.
Pay & e-sign
This bond is checkout-priced at $250 flat, so it issues the moment you pay — your executed bond and power of attorney generate on the spot.
Upload to NMLS
Your executed bond arrives by email, ready to attach to your NMLS company record for the Banking Department. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
New Hampshire licenses small loan, title loan, and payday lenders through the Banking Department under RSA 399-A. Every applicant must post a $25,000 continuous surety bond payable to the State of New Hampshire and the bank commissioner, for the benefit of any person damaged by a violation of the chapter, and conditioned on the licensee's compliance with every provision of it.
It's a three-party arrangement: you (the principal), the surety carrier, and the State together with the bank commissioner (the obligee). The bond stands behind your compliance with New Hampshire's rate, disclosure, and collection rules for small-dollar consumer credit. The surety must give the commissioner 30 days' written notice before cancelling, and a lapsed bond puts the license at risk.
It is not insurance for you — if the surety pays a claim, you repay the surety. Claims can reach back up to six years after the act complained of, so the bond has to stay continuously on file; we track the term and send renewal notices 60 and 30 days out.
You need this bond if you're
One application, issued instantly.
These are the actual issuing fields — business details, an effective date, and a term. That is the entire application.
Start the application →Common questions.
Other New Hampshire bonds.
Finish your small loan lender license today.
$250 flat, issued the moment you pay, soft pull only. Free until issued.