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How To Get A 5 Million Dollar Loan – Schell Co USA – The cost of a one million dollar surety bond will depend primarily on the type of bond you need, as well as your personal credit score. However, one thing is for sure: the bond does not cost a million dollars. Surety bonds are paid in premiums. Oh no, car loans, MY car loan, cost in aggregate $5.2 million dollars in lost opportunity.