NC certificate of title bonds.
From $100. Enter your amount.
When you can’t prove ownership of a vehicle, North Carolina lets you get a bonded title — file an indemnity bond under G.S. 20-76 (form MVR-92D) and the DMV issues the title. Pricing starts from $100 and depends on your bond amount; your exact price appears at the application. The bond amount itself is one and a half times the vehicle’s value.
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Apply to bonded title in one sitting.
No underwriting queue for most title bond applicants — enter your amount, pay, and take the executed bond to the DMV. Here is the whole thing:
Apply online
Your details, the vehicle, and the bond amount (1.5× the vehicle’s value) — that is the entire application. No credit section to fill out.
Issued on the spot
Most applications approve instantly and the executed bond is generated as soon as you pay. If a check runs, it’s a soft pull that won’t affect your score. Larger amounts may get a quick review.
File with the DMV
Take the executed indemnity bond (form MVR-92D) to the DMV with your title application — North Carolina requires the bond filed within 30 days. Wet-ink originals mailed whenever the office insists.
What it is and who needs it.
What the bonded title actually does
When you buy or inherit a vehicle and the paperwork is missing, lost, or defective, North Carolina lets you establish ownership with a bonded title under G.S. 20-76. You post an indemnity bond, the DMV issues a certificate of title in your name, and the bond protects anyone who later proves a superior claim to the vehicle.
The bond amount is one and a half times the vehicle’s value, with value determined by the DMV’s Current Value Schedule. If the vehicle isn’t listed in the schedule — or it’s a mobile home — the DMV requires two appraisals from North Carolina dealers. The bond is filed on form MVR-92D.
If someone with a better claim comes forward and is harmed, they can recover against the bond — and if the surety pays, you repay the surety. North Carolina requires the bond filed within 30 days, and the bonded title typically runs a three-year term, after which a clean title issues.
You need this bond if you are
One application, most issued on the spot.
Submit the application with your bond amount (1.5× the vehicle’s value) — most executed title bonds are generated instantly and ready to take to the DMV.
Start the application →Common questions.
Other North Carolina bonds.
Bonded title, issued today.
Pricing from $100. Enter your amount, see your exact price, and take it to the DMV the same day.