Arkansas Bonded Title Guide
SuretyBonds.com provides the fastest and easiest way to get your Arkansas bonded title. Learn how to navigate the lost vehicle title bonding process with our complete guide.
Bond Overview
- Purpose: To guarantee legal ownership of a vehicle
- Who Needs It: Individuals registering a vehicle without a valid title
- Regulating Body: The Arkansas Office of Motor Vehicles
- Required Amount: 1.5x the vehicle’s value as determined by the Commissioner
- Premium Rates: $15 per $1,000 of coverage, $100 minimum
What Is an Arkansas Bonded Title?
An Arkansas bonded title is simply a vehicle title backed by a surety bond. It allows you to legally register a vehicle when the original title is invalid, unavailable or can not be transferred.
What Is an Arkansas Certificate of Title Bond?
Arkansas Code § 27-14-409 requires individuals file a bonded title for vehicles they own with missing proof of legal ownership.
The bond protects previous vehicle owners, lien holders, and future vehicle owners from expenses, losses, or damages resulting from certificate of title issuance.
What Bond Amount Do I Need?
The state of Arkansas requires title bond amounts to be 1.5 times the vehicle's appraised value as determined by the Commissioner.
The Office of Motor Vehicles will provide your bond amount. Be sure to verify this value before purchasing your bond.
How Much Do Title Bonds Cost in Arkansas?
Arkansas certificate of title bond costs start at $100 for the 3-year term.
Exact pricing varies depending on the bond amount:
- $100–$6,000 Bond: Costs $100
- $6,001–$50,000 Bond: Costs $15 per $1,000
- $50,000+ Bond: Start at $500, application required
Select your bond amount below to buy now or apply for a free quote.
SuretyBonds.com offers the lowest available rates from our nationwide provider network with no added fees.
How Does an Arkansas Title Bond Work?
An Arkansas title bond works by creating a legally-binding financial contract between three parties:
- Principal: The bonded title applicant
- Obligee: The Arkansas Office of Motor Vehicle
- Surety: The issuing surety company
By filing an Arkansas bonded title, a vehicle owner verifies they legally own their vehicle and that it was not acquired under fraudulent circumstances.
If the original title is later provided, a claim can be filed on the bond. The surety company will pay valid claims to harmed parties up to the bond's full amount. The bonded vehicle owner must then reimburse the surety company.
What Are the Requirements for a Bonded Title?
To get a bonded title in Arkansas, you’ll need the following documents:
- Bill of sale
- Vehicle inspection by the Arkansas State Police
- Statement of Facts form
- Verification of the motor vehicle identification number (VIN)
- Arkansas Certificate of Title Bond
If there is a lien on the vehicle, you will not be eligible for a bonded title.
How Do I Get a Title Bond in Arkansas?
You can purchase your Arkansas certificate title bond online 24/7 with SuretyBonds.com. You must provide the following information for filing approval:
- Year, make and model
- Vehicle identification number
- Body type
Once you checkout, you'll receive your official vehicle title surety bond in minutes via email.
How Fast Can I Get My Bond?
SuretyBonds.com offers instant Arkansas title bond delivery online 24/7.* Purchase now to receive your official bond in minutes by email.
*Note: If your bond amount is above $50,000, we’ll review your order before emailing your documents.
How to Get a Bonded Title in Arkansas
The Arkansas Department of Finance and Administration, Office of Motor Vehicle enforces requirements for vehicle title registration including bonded title issuance.
Complete the four steps below to apply for your Arkansas bonded title.
Step 1: Get your vehicle inspected
To guarantee your vehicle was not stolen, you will need a VIN inspection by the Arkansas State Police. They will provide an inspection form which you will submit in the next step.
Step 2: Submit a Statement of Facts
To explain how you obtained your vehicle, the Office of Motor Vehicles requires a Statement of Facts.
Fill out the form and send a copy to the address on the form. The DFA will review your application then send an approval letter with your required bond amount.
Step 3: Purchase an Arkansas title bond
Once you know your bond amount, buy your title bond from SuretyBonds.com or another licensed surety provider. Prices start at $100.
Step 4: Submit a title application
Finally, gather all the documents to apply for your Arkansas bonded title:
- Completed Vehicle Registration Application
- Completed Statement of Facts
- Certificate of title bond form
- $10 check for the application fee, payable to the DFA
Drop off this packet at a state revenue office or mail it to the address below:
Department of Finance and Administration
Office of Motor Vehicle – Bonded Titles
P.O. Box 1272
Little Rock, AR 72203
Can I Sell a Car With a Bonded Title?
Yes, an Arkansas bonded title allows you to register, insure and even transfer ownership of a vehicle when the original title is lost.
Can I Title a Vehicle in Arkansas With Just a Bill of Sale?
You cannot get a standard Arkansas title without a valid, original title signed to your name.
However, if the only vehicle ownership documentation you have is a bill of sale, you can apply for a bonded title. The bonded title will function the same as a standard title, allowing you to register, sell, or transfer the car.
Do I Need to Renew My Bonded Title?
Arkansas certificate of title bonds don't renew when their original 3-year term expires.
The Commissioner of Revenue will return the bond to you after 3 years as long as no claims have been filed against it.
Can I Get Bonded With Bad Credit?
Yes, you may still be able to get a bonded title with bad credit.
Arkansas certificate of title bonds are typically available for instant purchase with no credit check.
If your bond does require an application, we’ll search for the best available rate with our surety markets.
Can I Update My Bond Form?
Yes, the most common changes for these bonds include updating the:
- Vehicle information
- Owner name
- Address
If the Arkansas Department of Finance and Administration needs your bond to be amended for any reason, email [email protected] to explain the request. We’ll issue a bond rider document free of charge.
More Resources
- Certificate of Title Bond Guide
- Arkansas Motor Vehicle Dealer Bonds
- Regulation 1994-3: Dealer/Lienholder Registration and Title Application Regulation
- Arkansas Department of Finance and Administration: Replacement Titles
- Arkansas Revenue Division Vehicle Registration Application
- Arkansas Authorization for Title Assignment and Mileage Disclosure and Bill of Sale of a Motor Vehicle
