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Florida Title Loan Bond

How much does a title loan bond cost in Florida?

Florida’s Office of Financial Regulation requires title loan lenders to post $100,000 surety bonds prior to conducting business.

These bonds are subject to underwriting consideration, so the price you’ll pay depends on a review of your personal credit report. Applicants should have their current business financials and a personal financial statement handy when contacting SuretyBonds.com as these documents are required by most surety underwriting companies. Apply for your free bond quote today!

Bond Type Bond Amount Cost by Credit Score*
680 and up 679 - 600 599 or lower
Title Loan Bond $100,000 Starts at $1,000 $4,000-$8,000 $10,000+ Apply Now
*The bond premium rate quotes provided to you through this website are for pricing comparisons and quotation estimate purposes only. The bond rate quotes provided are based on general assumptions that may or may not be applicable to you and are subject to change at any time. These rate quotes do not constitute an offer of insurance, nor is any contract, agreement, or bond coverage implied, formed or bound by the provision of rate quotes. Bondability, final bond premium rate quotes and an offer of insurance, if any, will be determined by the insurance company providing your bond. You must contact us directly to obtain a quote for binding purposes.

Ready to purchase your Florida surety bond quickly, easily and accurately? Call 1 (800) 308-4358 or submit an online bond request now to get started!

Why do I need this bond?

By posting a Florida title loan surety bond, principals (title loan lenders) pledge to conduct business in compliance with the provisions of the Florida Title Loan Act, which is Chapter 537 of the Florida Statutes, and abide by all rules and regulations of the Office of Financial Regulation and the Financial Services Commission.

Prohibited actions under this bond include:

  • falsifying a title loan agreement
  • failing to make an entry in a title loan agreement
  • refusing to allow office inspection of completed title loan agreements
  • losing loan property or titled personal property
  • charging for any type of insurance connected with a title loan agreement

If a principal violates any terms of the surety bond agreement and a claim is made against the bond, the bond protects harmed parties from financial loss up to the full bond amount. The principal must reimburse the surety for any damages paid out.

Our experts are here to answer all of your surety bond questions and to help you get the Florida surety bond you need quickly, easily and accurately. Request your free surety bond quote now!

What’s the fine print?

Title loan bonds in Florida can be canceled by the surety if the surety gives 30 days’ notice of the impending cancellation to both the principal (title loan lender) and the Office of Financial Regulation in Tallahassee, Florida. The surety remains liable for any claims made against the bond during the 30-day period prior to termination.

How to become a title loan lender in Florida

Before an individual can legally perform title loan lender duties in Florida, he or she must be licensed. License applications must be sent to the Office of Financial Regulation and be accompanied by the following:

  • surety bond
  • application fee
  • investigation fee
  • biographical summary for title loan lender
  • set of fingerprints

Licenses remain valid for 2 years. To renew a license, licensees should file a renewal form with the office along with the required renewal fee.

Take the first step toward becoming licensed in Florida by requesting your free surety bond quote now!

Additional Resources

Title Loan Act Surety Bond form

Florida Statutes Regulation of Trade, Commerce, Investments, and Solicitations Chapter 537 Title Loans

Application for Title Loan Lender License

Biographical Summary for Title Loan Lender

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