How to Get a Bonded Title in Texas (Step-by-Step Guide)

If you bought a vehicle but didn't receive a proper title, don't worry—you can still legally transfer the vehicle into your name using a title in escrow.

Here we explain exactly how the process works in Texas.

What is a Bonded Title?

A bonded title is a type of title issued by the Texas Department of Motor Vehicles when ownership cannot be verified using standard documents.

This protects:

• Previous owners

• Lienholders

• The state

If someone later proves that they are the owner of the vehicle, the deposit covers any potential losses.

When Do You Need a Title Loan?

You may need a secured title if:

• You lost the title before transferring it

• The seller never gave you the title

• The title is signed incorrectly

• You bought a vehicle with only a bill of sale

• The title is damaged, torn, or destroyed

If the vehicle has liens, you'll need to resolve them first before you qualify.

Step 1: Check if You Qualify

Before you begin, make sure that:

• The vehicle has not been reported stolen

• There are no active liens

• You are eligible to graduate in Texas

We strongly recommend checking the vehicle's VIN history

Step 2: Obtain the Title Determination with a Bond

You must submit:

• Form VTR-130-SOF (Statement of Facts)

• Any other supporting documents

You will also need to present your ID and any proof of purchase.
If you do not have any, please explain this on form VTR-130-SOF.

Submit everything at your local TxDMV office.

They will determine:

• If you qualify

• The value of the vehicle

• The amount of the required security deposit (generally 1.5 times the value of the vehicle)

Step 3: Purchase a Surety Bond

Once you receive the determination, you must post a bond in the required amount.

This is usually affordable—you don't pay the full amount, just a small percentage.

Example:

• Vehicle value: $5,000

• Bail amount: $7,500

• Cost: $100–200

  • ***Our fee is $100!***

We sell bonds. Contact us or purchase directly online here.

Step 4: Submit Your Documents

Bring the following items to your county tax office:

• Surety Bond

• Letter of Title Determination with Bond

• Form 130-U

• Valid identification

• Payment of title and registration fees

  • If you are applying for registration, please also bring:

    • Proof of insurance

    • Emissions inspection (if applicable)

Step 5: Receive Your Title with a Bond

Once approved, you will receive a title in your name.

Important:

• The bond remains in effect for 3 years

• After three years, the “bonded” designation is being eliminated

Common Mistakes to Avoid

❌ Skip the title review (may result in rejection)

❌ Purchasing a bond with the wrong amount

❌ Purchasing a title and taking more than 30 days to register it

❌ Ignore existing liens

❌ Filling out forms incorrectly

Conclusion

A title bond is one of the most common ways to resolve title issues in Texas, and when done correctly, it is a straightforward process.

If you're not sure where to start, getting help can save you time and prevent costly mistakes.

Do you need help with a title loan?

At Tejano Multiservices, we help you:

• Conduct title searches

• Fill out all the necessary forms

• Get your bond quickly

• Present everything correctly

We can also handle the ENTIRE process for you for a flat fee.

📍 Visit us or contact us today to get started!