Payment Options That Fit Your Situation
Payment Plans
Raleigh Bail Bonds offers qualifying payment arrangements for Wake County families who cannot pay the complete bail bond premium at once. Including qualifying 5% down options for large bonds, zero interest on approved premium payment plans, no traditional credit check, and fast application review.
How Does a Bail Bond Payment Plan Work?
A payment plan allows an approved applicant to pay part of the bail bond premium when the bond is started and pay the remaining premium balance over time under a written agreement.
Do I Need a Payment Plan?
Select the option that best matches your situation. Each choice reveals whether a payment-plan review can begin and the next practical step.
Understand the Five Different Amounts
These five amounts are often confused. Understanding the difference helps you make an informed decision.
Court-ordered bond amount
The face amount set by the judicial official and shown on the release order.
Bail bond premium
The agreed fee charged for executing the commercial bail bond, subject to North Carolina's legal maximum of 15% under G.S. 58-71-95.
Initial premium payment
The amount paid when starting an approved payment plan. For qualifying large bonds, this may be as low as 5% of the bond amount.
Remaining premium balance
The portion of the agreed premium still owed after the initial payment, paid over time under the written agreement.
Collateral
Money or approved property securing the bond company's exposure. Collateral is separate from the premium and is not always required.
How Our Payment Plans Work
Confirm the defendant and current bond
Verify every charge, release condition, and hold
Review the applicant or cosigner information
Determine whether a payment plan is available
Explain the complete premium and initial payment
Explain collateral when applicable
Provide the written payment schedule
Complete secure documents
Post the approved eligible bond
Wake County begins release processing
An incomplete application, unresolved bond status, no-bond entry, outside hold, or judge-review requirement may delay the process.
5% Down Options for Large Bonds
- The program is intended for qualifying large Wake County bonds
- The initial payment equals 5% of the court-ordered bond amount
- The remaining premium remains due
- No interest is added to the approved premium-payment schedule
- Approval depends on the bond, defendant, applicant, cosigner, court history, documentation, and collateral when applicable
- A 5% down option is not available for every bond
For complete large-bond approval requirements and cosigner and collateral information, visit our Large Bail Bonds page.
Transparent Payment Example
See exactly how a qualifying 5% down payment plan works with a real example.
- The $500 is credited toward the $1,500 premium
- The $1,000 remaining balance is paid under the written plan
- Raleigh Bail Bonds executes the approved $10,000 surety bond
- The jail begins release processing after the bond is posted
- Collateral, when required, is separate and is not included in this example
- This example does not guarantee qualification
North Carolina law limits a bail bond premium to no more than 15% of the bond's face amount (G.S. 58-71-95). The $1,500 shown is Raleigh Bail Bonds' premium at the verified current rate, not an amount required by law.
Payment Plan Estimate
Enter the secured bond amount and initial-payment option to estimate your payment plan. This tool does not predict approval, collateral, or release.
Estimates are not approval
Final figures are provided in writing
The calculator does not include collateral
The calculator does not determine whether the bond can be posted
The calculator does not override judge review, no-bond entries, monitoring requirements, or holds
Eligibility and Required Information
Basic Information
- Defendant's full legal name
- Date of birth
- Current custody location
- Current bond amount
- Every listed charge and bond
- No-bond entries or holds
Potential Cosigner Information
- Government-issued identification
- Current residence
- Employment and income
- Active banking information when required
- Relationship to the defendant
- Contact details
- References when required
Approval Considerations
- Total secured-bond exposure
- Court-appearance history
- Prior FTAs
- Number of cases
- Cosigner stability
- Complete documentation
- Payment ability
- Collateral when applicable
- Other underwriting considerations
Common Payment-Plan Requirements
- Cosigner must be at least 25 years old
- Employed for at least two years
- Minimum income of $4,000 per month
- Active checking account
These are company underwriting criteria, not North Carolina law. Meeting them does not guarantee approval. Additional documentation or requirements may apply.
Collateral
Accepted
- Cash
- Residential property
Not Accepted
- Vehicles
- Jewelry
- Stocks
- Commercial property
- Collateral is reviewed case by case
- It is separate from the premium
- Not every payment plan requires collateral
- A detailed receipt must be provided when collateral is accepted
- Cash collateral must be held through the required separate trust process under G.S. 58-71-100
- Returnable collateral is returned after final termination of liability within the period required by North Carolina law (G.S. 58-71-95)
When Different Requirements May Apply
C Bond or Finding 6
When Finding 6 on AOC-CR-200 is checked, indicating a second or subsequent FTA in the same case, Raleigh Bail Bonds treats the new bond as a C Bond. If approved, company policy requires cash collateral equal to 100% of the court-ordered secured bond amount, plus the applicable premium.
Complete C Bond and Finding 6 guideOrdinary FTA-Related Bond
A prior failure to appear does not automatically make every applicant ineligible. Approval depends on the current release order, number of prior FTAs, total bond exposure, cosigner information, and other underwriting factors. An ordinary FTA bond is reviewed individually and does not automatically produce the same requirements as a C Bond.
Bond after missing court informationLarge or Multiple Bonds
For bonds involving high total exposure, multiple secured bonds, or complex underwriting, detailed approval and collateral information is available on the Large Bail Bonds page.
Large-bond approval requirementsOut-of-County Cases
Raleigh Bail Bonds serves Raleigh, Wake County. An out-of-county case does not qualify for the Wake County low-down program. Call to discuss whether the case can be reviewed.
No-Bond or Judge-Review Entry
No amount of down payment or collateral allows a bondsman to post a bond that has not been authorized. A no-bond or judge-review entry must be resolved by the court before a commercial bond can be posted.
What Happens After a Request?
The request is received
Bond and custody information are verified
Applicant and cosigner information are reviewed
Payment options are discussed
Collateral is reviewed when applicable
The complete terms are provided in writing
Documents are signed
Required funds are verified
The approved bond is posted
Release processing begins
Approval and release timing are not guaranteed and depend on verification, court status, and detention-center processing.
Helpful Resources
Large Bail Bonds
Complete large-bond approval, total exposure, and detailed underwriting information.
Large Bond GuideSecure Online Application
Begin the bond application securely from your phone after the bond is verified.
Start Online ApplicationWake County Bail Process
Complete county-level bond process, release conditions, and detention-center information.
Wake County Bail GuideC Bond and Finding 6
Complete explanation of Finding 6, repeated-FTA forfeiture risk, and 100% cash-collateral requirements.
C Bond GuideBond After Missing Court
Obtaining a new bond after an FTA and post-FTA release conditions.
Bond After FTAWake County Detention Center Information
Booking, custody lookup, visitation, and release processing details.
Jail InformationBail Bond FAQs
Complete answers about bail bonds, premiums, payment, collateral, and release.
View All FAQsFrequently Asked Questions
Ready to get help?
Need Help With a Payment Plan?
Call Raleigh Bail Bonds to verify the current bond, discuss whether a payment plan is available, review the initial payment and remaining premium, and understand cosigner and collateral requirements.
Last reviewed: August 2026 — Reviewed by a licensed North Carolina bail bondsman.
This page provides general information about bail bond payment plans. It does not provide legal or financial advice. Contact a qualified attorney for case-specific legal guidance. All final terms are supplied in writing.