NC certificate of title bonds.
Flat 3%. Enter your amount.
When you can’t prove ownership of a vehicle, North Carolina lets you get a bonded title — file an indemnity bond under G.S. 20-76 (form MVR-92D) and the DMV issues the title. We write it at a flat 3% with no credit check; the amount is one and a half times the vehicle’s value.
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Apply to bonded title in one sitting.
No underwriting queue for the standard title bond — enter your amount, pay, and take the executed bond to the DMV. Here is the whole thing:
Apply online
Your details, the vehicle, and the bond amount (1.5× the vehicle’s value) — that is the entire application.
Issued on the spot
No credit check and no waiting — the executed bond is generated as soon as you pay. Larger amounts may get a quick review.
File with the DMV
Take the executed indemnity bond (form MVR-92D) to the DMV with your title application — North Carolina requires the bond filed within 30 days. Wet-ink originals mailed whenever the office insists.
The whole pricing page.
Bond amount × 3% = your premium, one-time, $275 minimum. Bond amount is 1.5× the vehicle’s value — enter it and the premium updates.
What it is and who needs it.
What the bonded title actually does
When you buy or inherit a vehicle and the paperwork is missing, lost, or defective, North Carolina lets you establish ownership with a bonded title under G.S. 20-76. You post an indemnity bond, the DMV issues a certificate of title in your name, and the bond protects anyone who later proves a superior claim to the vehicle.
The bond amount is one and a half times the vehicle’s value, with value determined by the DMV’s Current Value Schedule. If the vehicle isn’t listed in the schedule — or it’s a mobile home — the DMV requires two appraisals from North Carolina dealers. The bond is filed on form MVR-92D.
If someone with a better claim comes forward and is harmed, they can recover against the bond — and if the surety pays, you repay the surety. North Carolina requires the bond filed within 30 days, and the bonded title typically runs a three-year term, after which a clean title issues.
You need this bond if you are
Five minutes, issued on the spot.
Submit the application with your bond amount (1.5× the vehicle’s value) — the executed title bond is generated instantly, ready to take to the DMV.
Start the application →Common questions.
If yours isn't here, the bond team can usually answer within the hour.
How much is the North Carolina title bond? +
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Other New York bonds.
Bonded title, issued today.
Five-minute application, flat 3%, $275 minimum. Enter your amount and take it to the DMV the same day.