What is a Bonded Title in Texas? – A Guide by Swift Auto Title

Have you lost your vehicle title or bought a car without a proper title? If you’re in Texas and don’t have the required documents to prove ownership, there’s still a legal way to register your vehicle: a bonded title. At Swift Auto Title, we specialize in helping vehicle owners in Houston navigate the bonded title process quickly and legally.

Whether you bought a used car from a private seller or inherited a vehicle without proper paperwork, we’re here to help you resolve the issue and get back on the road with confidence.

What is a Bonded Title?

A bonded title, also known as a Certificate of Title Surety Bond, is a special type of vehicle title issued by the Texas Department of Motor Vehicles (TxDMV) when the original title is missing, lost, stolen, or never received.

This title is backed by a surety bond, which serves as a financial guarantee that you are the rightful owner. The bond protects the state and any previous owner in case someone later claims ownership of the vehicle.

When Do You Need a Bonded Title?

You may need a bonded title in the following situations:

• You bought a vehicle, but the seller didn’t provide the title

• The vehicle was abandoned or gifted to you without a title

• You lost the original title and can’t get a duplicate from the previous owner

• The title was damaged or stolen, and you have no proof of ownership

If any of these scenarios apply, a bonded title is your solution.

The Bonded Title Process in Texas

Here’s a step-by-step guide to how Swift Auto Title helps you get a bonded title:

1. Eligibility Check
   We help you determine if you qualify for a bonded title. This includes verifying your proof of ownership (like a bill of sale, invoice, or canceled check).

2. Vehicle Inspection (If Required)
   Some vehicles may require a Vehicle Inspection Form (Form VTR-68-A) from your local police department or auto theft unit.

3. Bond Application
   Based on your vehicle’s appraised value (as determined by TxDMV), we help you secure a surety bond that is 1.5 times the vehicle’s value.

4. Title Application (Form 130-U)
   We assist you in filling out the bonded title application package, which includes the surety bond, application forms, and supporting documents.

5. Submit to TxDMV
   We submit your documents to the county tax office or TxDMV regional office for processing.

Once approved, you’ll receive a bonded title, which looks like a regular Texas title but is marked "bonded." After 3 years, if no ownership claims are made, you can apply for a standard (clear) title.

Why Choose Swift Auto Title?

Handling bonded titles can be confusing, but Swift Auto Title makes it easy:

• Fast turnaround and expert guidance

• Assistance with bond value assessment

• Access to licensed surety bond providers

• Support with inspections and documentation

• Affordable and transparent pricing

We’ve helped hundreds of clients across Houston successfully obtain bonded titles and legal ownership of their vehicles.

Important Notes

• The vehicle must not be stolen or involved in legal disputes.

• Bonded titles cannot be issued for salvaged or junked vehicles.

• You must be a Texas resident or have a vehicle titled in Texas.

Get Started with Your Bonded Title Today

Don’t let a missing title keep you from using or selling your vehicle. Contact Swift Auto Title today and let our experienced team walk you through every step of the bonded title process.