Arkansas Title Bond Overview
- Purpose: To guarantee legal ownership of a vehicle when the title is missing
- Who Needs It: Individuals registering a vehicle in Arkansas without a valid title
- Regulating Body: The Arkansas Office of Motor Vehicles
- Required Amount: 1.5x the vehicle’s value
- 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 or not available.
What Is an Arkansas Certificate of Title Bond?
Arkansas Code § 27-14-409 requires a bonded title from individuals registering vehicles without proof of legal ownership.
The title bond protects previous vehicle owners, lien holders, and future vehicle owners from potential financial damages.
What Title Bond Coverage Do I Need?
The state of Arkansas requires the title bond amount to be 1.5 times the vehicle's appraised value.
The Office of Motor Vehicles will provide your appraisal value and bond amount. Be sure to verify this number before buying your bond.
How Much Do Title Bonds Cost?
Arkansas certificate of title bond premiums 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: Starts 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 creates a 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, you pledge that you legally own the vehicle and it was acquired honestly.
If a rightful owner presents the original title down the road, a claim can be filed on the bond. The surety company will pay out valid claims up to the bond's full amount. The bonded principal must then reimburse the surety.
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 buy 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
We'll email your official vehicle title surety bond minutes after purchase.
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 from 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: Get a 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.
