SAFE MLO Exam Cost and Retakes
Know the fee for each attempt and the basic retake requirements before you schedule the test.
Current SAFE MLO test fee
The test fee is $110 per attempt.
Proposed fee change
NMLS has proposed raising the fee to $120 effective March 1, 2027. This is a proposal, not the current fee.
Retakes require a new fee
Each retake needs a new enrollment and fee, and waiting periods apply between attempts. Check the NMLS MLO Testing Handbook for the current rules before scheduling.
Why practicing first can save money
Complete Prep (2026 Edition) costs $39, which is less than one $110 retake. It includes three 120-question practice tests with answer keys, content-area score tables, and an explanation for every question.
Frequently asked questions
How much does the SAFE MLO test cost?
The current fee is $110 per attempt.
Is the fee changing to $120?
NMLS has proposed a $120 fee effective March 1, 2027. The current fee is $110.
Do retakes require another payment?
Yes. Each retake needs a new enrollment and fee, and waiting periods apply.
Complete Prep (2026 Edition)
$39
Everything in the Study Pack (2026 Edition) plus 3 full-length 120-question printable practice tests with answer keys and explanations.
Buy Complete Prep (2026 Edition)Study Pack (2026 Edition)
$19
Exam cheat sheet plus 193 printable flash cards (PDF).
Buy the Study Pack (2026 Edition)Get study tips and the full-set details by email.
Figures last checked October 2026.