Who requires it
New Hampshire Banking Department — Consumer Credit Division
License & permit · New Hampshire
New Hampshire Small Loan, Payday & Title Loan Lender Bond
Companies that lend under New Hampshire’s small-loan, payday-loan, and title-loan rules must keep a $25,000 bond on file with the Banking Department. RSA 399-A:4 protects people harmed by chapter violations. Applications and renewals run through NMLS. The surety must give 30 days’ written notice before canceling. If a claim is filed, file a replacement right away.
Common bond amount
$25,000
Fixed $25,000 amount under RSA 399-A:4 for small loan, payday, and title loan licenses.
How you file
File through NMLS; keep the bond active while licensed
Renewal
Keep the $25,000 bond in place while licensed; 30-day cancellation notice
Who requires it
Applicants for and holders of New Hampshire small loan lender licenses under RSA 399-A—including payday and title-loan activity within that chapter—filing through NMLS with the Banking Department.
How much is required
RSA 399-A:4 fixes the amount at $25,000. The statute does not publish a volume schedule for this bond.
How to get and file it
Complete the NMLS company application for the RSA 399-A license, then have an authorized surety issue a $25,000 bond in the exact legal name on the filing. Keep the $25,000 bond in place for every day the small-loan license is active. Cancellation takes effect only after the surety’s 30-day written notice reaches the Banking Department. If a claim is filed or paid, file a replacement right away.
Cost note
Twenty-five thousand dollars is the required bond amount, not the premium you pay. See bond amount vs premium. Bond amount vs premium →
Requirement checklist
- Required amount
- $25,000
- License path
- NMLS filing under RSA 399-A
- Net worth
- Positive net worth required at all times under RSA 399-A:4
Official sources
Related resources
Frequently asked questions
Is the payday or title-loan bond different from the small-loan bond?
RSA 399-A:4 states one continuous $25,000 surety for applicants under the chapter that regulates small loans, title loans, and payday loans. Confirm with the Banking Department how dual product lines are shown on your NMLS record.
Is this the same as the mortgage banker bond?
No. Mortgage banker, broker, and servicer bonds sit under RSA 397-A with different minimum amounts. Chapter 399-A is a separate small-loan licensing path.
Related New Hampshire bond guides
Mortgage Banker / Broker / Servicer Bond
$50,000 / $100,000 minimums
Mortgage bankers, brokers, and servicers licensed under RSA chapter 397-A must keep a bond on file with the Banking Department through NMLS while licensed. RSA 397-A:5 sets a $50,000 minimum for brokers and a $100,000 minimum for bankers and servicers. The Banking Department can require a higher amount so coverage matches the loans originated by the company’s mortgage loan originators. The surety must give 30 days’ written notice before canceling. If a claim is filed, file a replacement right away.
Debt Adjuster Bond
$25,000
Debt adjusters licensed under RSA chapter 399-D must post a $25,000 bond with the Banking Department. Licensing runs through NMLS. The surety must give 30 days’ written notice before canceling. If a claim is filed, file a replacement right away. Separately, RSA 399-G:3 lets some debt adjusters skip a money-transmitter license when they transmit funds only under a debt-adjustment contract and keep a $100,000 chapter 399-D bond on file—that higher amount is an exemption condition, not the ordinary licensing minimum.
Money Transmitter Bond
$100,000–$500,000
Money transmission licensees under RSA chapter 399-G must keep a bond—or an approved deposit—on file with the Banking Department. RSA 399-G:27 sets the amount at the greater of $100,000 or 100% of average daily New Hampshire money-transmission liability for the most recent three-month period, up to $500,000. A deposit the commissioner approves may replace the bond. If you already keep the $500,000 maximum, you do not have to recalculate the amount each quarter. The bond protects people harmed by chapter violations. The surety must give 30 days’ notice before canceling.
Surety basics (not repeated here)
Universal surety concepts explained once—linked here instead of repeated on every state or bond page.
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Last verified 2026-08-12. This guide is based on verified educational content and official sources.
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