24/7 InstantNo Credit Check
Instant Approval Bonds
5 bond types available for instant approval with no credit check. Get your bond certificate immediately with 24/7 processing.
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Instant Bonds
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Complete List of Instant Approval Bonds
NO CREDIT CHECK REQUIREDNotary Public Bonds
All Required States$500 - $25,000
Required for notary commission in 30 states plus D.C.
- All states requiring notary bonds
- No credit check required
- Instantly issued certificate
- E&O insurance can be added
- Available 24/7
Contractor License Bonds
Up to $25,000$1,000 - $25,000
General, electrical, plumbing, HVAC, and specialty trade licensing
- General contractor license bonds
- Electrical contractor license bonds
- Plumbing contractor license bonds
- HVAC contractor license bonds
- Other specialty trade license bonds
EXCEPTION: California contractor bonds ALWAYS require underwriting
Public Official Bonds
Up to $10,000$1,000 - $10,000
Bonds for treasurers, tax collectors, clerks, and other officials
- Treasurers and tax collectors
- Peace officers and judges
- City clerks and sheriffs
- Other public officials
- When bond amount ≤ $10,000
Defective Title Bonds
Limited CircumstancesVaries by State
Lost title bonds and vehicle title replacement bonds
- Lost title bonds
- Vehicle title replacement bonds
- Up to certain state limits
- No existing liens allowed
- Clear ownership required
Vehicle must NOT have existing lien from previous title holder
Small Tax & Fee Bonds
Under $10,000$500 - $9,999
Small retailer bonds and minor tax compliance bonds
- Small retailer bonds
- Minor tax bonds
- Fee compliance bonds
- Under $10,000 only
- Basic compliance requirements
Bonds $10,000+ require underwriting
What Makes Bonds Instantly Approvable
Understanding the criteria for instant approval
Instant Approval Criteria
- No credit check acknowledgment required
- Basic eligibility questions only
- Low financial risk to surety company
- Standardized coverage and terms
- Premium shown is final price - no rate adjustments
Processing Features
- Available 24/7 for applications
- Immediate approval upon application completion
- Instant certificate download available
- Electronic delivery to applicant
- Can be filed with obligees if needed
Bonds That Always Require Credit Checks & Underwriting
These bond types cannot be instantly approved and require full underwriting review:
Motor Vehicle Dealer Bonds
Freight Broker Bonds (BMC-84)
DMEPOS Bonds
Performance Bonds
Bid Bonds
Payment Bonds
Probate Bonds
Judicial Proceeding Bonds
California Contractor Bonds
Tax and Fee Bonds over $10,000
Frequently Asked Questions
What bond types are available for instant approval?
What bond types are available for instant approval?
5 bond types are available for instant approval: Notary Public Bonds (all required states), Contractor License Bonds up to $25K (except California), Public Official Bonds up to $10K, Defective Title Bonds (limited circumstances), and Small Tax & Fee Bonds under $10K. These bonds require no credit check and are available 24/7.
Why do some bonds not require a credit check?
Why do some bonds not require a credit check?
Instant approval bonds have low financial risk to the surety company due to standardized coverage terms, small bond amounts, and basic eligibility requirements. The premium shown is the final price with no rate adjustments based on credit. Bonds like notary bonds and small contractor license bonds fall into this category.
Which bonds always require underwriting and credit checks?
Which bonds always require underwriting and credit checks?
Several bond types always require underwriting including Motor Vehicle Dealer Bonds, Freight Broker Bonds (BMC-84), DMEPOS Bonds, Performance Bonds, Bid Bonds, Payment Bonds, Probate Bonds, Judicial Proceeding Bonds, all California Contractor Bonds, and Tax/Fee Bonds over $10,000. These require full credit review due to higher risk exposure.
How fast can I get my instant approval bond?
How fast can I get my instant approval bond?
Instant approval bonds are available 24/7 with immediate approval upon application completion. You can download your bond certificate instantly and file it with obligees electronically. The entire process from application to certificate download typically takes just minutes.
Why are California contractor bonds excluded from instant approval?
Why are California contractor bonds excluded from instant approval?
California contractor bonds always require underwriting regardless of bond amount. This is due to California's stricter licensing requirements, higher bond amounts ($15,000-$25,000), and increased regulatory scrutiny. All other states allow instant approval for contractor license bonds up to $25,000.
Official Government Bond Resources
Authoritative information on surety bond requirements and regulations
U.S. Department of Treasury - Surety Bond Program →
Official list of Treasury-certified surety companies authorized to write federal bonds
Small Business Administration - Surety Bond Program →
SBA bonding assistance programs for small businesses and contractors
Written by BuySuretyBonds.com
Licensed surety bond agency operating nationwide with direct integrations to Treasury-certified surety carriers. Our platform enables instant approval for license and notary bonds, with 24-48 hour underwriting for commercial bonds. All content is researched from official state and federal sources (.gov) and reviewed by licensed insurance professionals.
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Available 24/7 with immediate certificate download. No credit check required for 5 bond types.
24/7
Available
5 Types
Instant Bonds
Minutes
To Issue