NC loan broker bonds.
$100 flat.

North Carolina requires every loan broker to obtain a $10,000 surety bond in favor of the State of North Carolina under G.S. 66-108, and to file a copy of it with the Secretary of State before advertising or soliciting borrowers. Ours is $100 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, never a hard inquiry.

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Required before you advertise or solicit borrowers in North Carolina under G.S. 66-109

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Fixed price, fixed amount — $10,000 bond, $100 flat, no quote process

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Multi-year terms available — set it up once for up to 3 years

A-ratedA.M. Best carriersInstantissuance at checkout$100 flatsame price at checkout

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How it works

Three steps. One sitting.

The loan broker filing is one of the simplest in North Carolina. Here's the entire process:

NOW · ONLINE

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.

INSTANTLY

Pay & e-sign

This bond is checkout-priced at $100 flat, so it issues the moment you pay — your executed bond and power of attorney generate on the spot.

SAME DAY

File with the Secretary of State

Your executed bond arrives by email, ready to file with your loan broker filing at the North Carolina Department of the Secretary of State. Wet-ink original mailed on request.

About this bond

What it is and who needs it.

What the bond actually guarantees

North Carolina regulates loan brokers under Article 20 of Chapter 66 — the Loan Broker Disclosure Act. A loan broker is anyone who, for a fee, procures or attempts to procure a non-mortgage loan for a borrower from a third party. Before advertising or soliciting, the broker must obtain a $10,000 bond in favor of the State of North Carolina (or establish an equivalent trust account at an in-state bank) and file a copy with the Secretary of State.

It is a three-party arrangement: you (the principal), the surety carrier, and the State of North Carolina (the obligee). The bond stands behind the disclosure, contract, and conduct duties the Act imposes — anyone damaged by your breach of contract, by an obligation arising from it, or by a violation of the Article may bring an action against the bond to recover actual damages, capped at the bond amount.

It is not insurance for you — if the surety pays a claim, you repay the surety. The filing has to stay current, so the bond must remain continuously in force; we track the term and send renewal notices 60 and 30 days out.

N.C.G.S. § 66-108Section 66-108 of the North Carolina Loan Broker Disclosure Act requires every loan broker to obtain a surety bond issued by a surety company authorized to do business in the State, or to establish a trust account with a licensed and insured North Carolina bank or savings institution. The amount of the bond or trust account is ten thousand dollars ($10,000), and it must be in favor of the State of North Carolina. Under G.S. 66-109 a copy of the bond is filed with the Secretary of State along with the disclosure statement required by G.S. 66-107. Any person damaged by the loan broker’s breach of contract, by an obligation arising from it, or by a violation of the Article may bring an action against the bond for actual damages up to the bond amount.

You need this bond if you're

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Filing as a North Carolina loan broker — the bond copy goes to the Secretary of State with your disclosure statement

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Advertising or soliciting borrowers in NC for non-mortgage loans arranged through third-party lenders

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Charging an advance fee to procure or attempt to procure a loan for a North Carolina borrower

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Refreshing an expired filing whose bond lapsed and now has to be replaced

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 →

FAQ

Common questions.

How much is the North Carolina loan broker bond?The premium is $100 flat — set by our carrier's rate book for this bond, the same for every NC loan broker. The $10,000 bond amount is set by G.S. 66-108, so there is no quote process, and the price you see is the checkout price.

Do I pay the $10,000?No. You pay $100. The $10,000 is the surety's maximum liability if a valid claim is made against the bond — not a deposit, and nobody holds your money.

How fast will I have the bond?This bond is checkout-priced, so it issues the moment you pay — your e-signed bond and power of attorney arrive by email, ready to file with the Secretary of State.

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 price stays $100 flat either way.

Can I use a trust account instead?G.S. 66-108 lets a loan broker establish a trust account at a licensed and insured North Carolina bank or savings institution in place of the bond. Most brokers post the bond instead — $100 flat beats tying up $10,000 in a blocked account.

Related bonds

Other North Carolina bonds.

Finish your loan broker filing today.

$100 flat, issued the moment you pay, soft pull only. Free until issued.

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Your price$100

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