VT lender license bonds.
0.6% of the bond amount, $100 minimum.
Vermont licenses lenders through the Department of Financial Regulation, and 8 V.S.A. § 2203 sets the bond by your loan volume — $50,000, $100,000, or $150,000. The premium is 0.6% 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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Three steps. One sitting.
The lender bond is a filing, not a negotiation. Here's the entire process:
Apply online
Business details, any trade names, the bond tier that matches your volume, an effective date, and a term. That is the entire application — and any credit screen is a soft pull that never shows as a hard inquiry.
Pay & e-sign
The premium is 0.6% of the bond amount with a $100 minimum, so your exact price is on screen before you pay — and the executed bond and power of attorney generate the moment you do.
File through NMLS
Vermont takes the lender bond electronically through NMLS. Your executed bond arrives by email and the electronic surety bond goes up for you to authorize on your NMLS Tasks tab.
What it is and who needs it.
What the bond actually guarantees
A Vermont lender license is the authority to make loans to Vermont borrowers, issued under 8 V.S.A. Chapter 73 by the Commissioner of Financial Regulation. Unlike the broker and loan solicitation licenses, it carries lending authority — and the statute scales the bond with how much you lend.
Section 2203 sets three tiers: $50,000 for $0 to $1 million in loans, $100,000 above $1 million to $15 million, and $150,000 at $15 million or more. The bond runs to the State for the use of the State and of any person who may have a cause of action against you, conditioned on faithfully conforming to the chapter and paying the monies due under its terms.
It is not insurance for you — if the surety pays a claim, you repay the surety. Crossing a volume threshold moves you into the next tier, so the filed amount has to keep up; we track your 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, trade names, the bond amount for your tier, an effective date, and a term. That is the entire application.
Start the application →Common questions.
Other Vermont bonds.
Finish your lender license filing today.
0.6% of the bond amount, $100 minimum, issued the moment you pay. Free until issued.