Horry County, SC — Pawnbroker Bond
Horry County’s published Code calls for a $1,000 pawnbroker bond in the County’s favor, filed with and approved by the County Clerk of Court. Its local definition also includes certain secondhand buying, selling and trading—not just pawn loans. Match The Southern Agency’s County option to the actual County licensing request rather than substituting a State-level instrument.
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- Recorded state
- South Carolina
- Category
- Professional & occupational licenses
What this bond does
Section 12.5-22 makes the filing a condition of receiving the County pawnbroker license and secures faithful performance of the licensed business’s duties and obligations. The principal is the licensed person, firm or corporation. The Code permits two responsible sureties or a surety company licensed in South Carolina; this purchase route is a commercial surety application.
- Who needs it
- The applicant for Horry County’s pawnbroker license, with the actual premises and business activities identified. Section 12.5-16 includes loans secured by personal property, purchases with an agreed sell-back price, and specified secondhand buying, selling or trading with the public. Do not assume that outright purchases automatically take the business outside this local definition.
- Who it protects
- The County condition secures the licensed business’s duties, and § 12.5-23 provides a court-controlled claim route for a person or business harmed by pawnbroker misconduct. The claimant must obtain judgment, have execution returned wholly or partly unsatisfied, and receive the court’s permission to sue on the bond. A complaint by itself is not automatic payment.
Your bond option
This is the option on record for this bond.
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The bond amount describes the limit of the bond obligation, not the price. A listed amount does not establish what the requesting party requires. The premium is what you pay and must be confirmed for the actual option. An E&O limit, where listed, is separate errors and omissions insurance.
Sources
- Horry County Code 12.5-16–23: scope, licensing, bond and claims (opens in a new tab)Checked October 21, 2026
- Horry County: general Business License service (opens in a new tab)Checked October 21, 2026
Have these ready
- Legal licensed applicant and any trade name, exact premises and the shop’s actual loan, purchase, trade or consignment activities.
- County-approved pawnbroker application, applicant information and intended employee count for Public Safety.
- Actual County Clerk of Court request with County recipient, $1,000 faithful-performance condition, effective date and execution instructions.
- Appropriate State/local credentials and knowledge of the shop’s transaction/identification record procedures; no customer records need be sent through this listing.
Questions about this bond
Does this only apply to shops making pawn loans?
The published County definition is broader. It also addresses stipulated-price sell-back purchases and specified secondhand buying, selling or trading with the public. Describe the actual shop activity and obtain the County’s classification instead of assuming outright purchases are exempt.
Who receives the County document?
Section 12.5-22 says it is in the County’s favor, filed with and approved by the County Clerk of Court. The pawnbroker license application is separately directed to County Public Safety. Do not substitute a different State filing or treat a general revenue license as the whole pawnbroker process.
Does a customer complaint automatically produce payment?
No. The published County claim provision describes a judgment for misconduct, wholly or partly unsatisfied execution, and court permission for an action on the bond. Its existence is not a guarantee that every complaint or loss is payable.

