about us

At Jakob & Kouchner Financing, we pride ourselves on being a trusted leader in the financial industry, offering a wide range of loan products tailored to your unique needs. From personal loans and car loans to home loans, we specialize in helping individuals with bad credit, bankruptcies, and financial challenges regain control of their finances.
We’re not just another lender—we’re a partner committed to your success. With some of the lowest rates for bad credit loans in North America, we’re here to make borrowing simple, accessible, and stress-free.

 

Why Choose Jakob & Kouchner Financing?

💡 A Market Leader in Flexible Financing


We’ve revolutionized the North American credit market by offering small, short-term loans that prioritize speed, flexibility, and accessibility. Unlike traditional banks or payday lenders, our process is designed to eliminate complexity, ensuring you get the cash you need—fast.

💡 Open and Honest Loan Approvals


No gimmicks, no hidden fees. All our loans are transparent, with terms that are easy to understand. Plus, our loans are open and repayable at any time, giving you full control over your financial journey.

💡 Same-Day Financing, No Upfront Fees


Forget long wait times and upfront fees. With Jakob & Kouchner Financing, you can apply online and receive same-day approval in most cases. Our efficient process ensures you’re never left waiting when you need cash urgently

Our Commitment to You

We know that borrowing money can be overwhelming, especially if you’ve faced financial hurdles in the past. That’s why we’re here to make the process as straightforward and supportive as possible. Whether you’re consolidating debt, financing a major purchase, or covering unexpected expenses, we’re dedicated to helping you find a solution that works for you.
Don’t be swayed by the promises of payday loan providers or competitors. Jakob & Kouchner Financing stands apart as a reliable, client-focused lender committed to empowering individuals with financial freedom.

At Jakob & Kouchner Financing, we’re more than a lender—we’re your partner in building a brighter financial future.

Jakob and Kouchner Financing offers loans ranging from $5,000 to $399,999. The Annual Percentage Rate(APR) shall not exceed 12.95%. Loan term shall be no lower than two years and no higher than 30 years. exact rates and approval is based upon independant assessment of your credit profile, financial position, and your ability to maintain additional loan commitments.
ie. LOAN- $125,000  APR- 5.25% TERM- 20 years Monthly Payments- $842.31. TOtal PAID- $202, 153.25. Total Interest- $77,153.25
No additional fees or costs attached to acquiring a loan.
Late payments are subject to fees not exceeding 10% a month and is not included in the APR. Missed and late Charges  create a negative impact on your credit score.

Testimonials

Jakob and Kouchner Financing throughout the years has done an exceptional job in  making a customers satisfied and happy.  Through  surveying we have compiled several different  people or families  that have expressed  how their experience was with Jakob and Kouchner Financing .


"Thanks for the  exceptional service to get my loan as fast as possible."  -  W.D.



"Right before  I gave up  on trying to  apply for  another loan, I found  Jakob and Kouchner.  They literally saved my life  and helped me get out of a bad situation..."   -G.C.


"Best  interest rates for  people with bad credit" - J.P.


"Melinda's one of the nicest women I've ever dealt with.  AAA customer  satisfaction!!!"    -R.S.


"Approval was fast, had my money  in my hand 3 days after  I applied."  - D.S.


"I want to thank you and Jakob and Kouchner Financing for assisting me.  Jakob and Kouchner Financing was a great help to me a few years back in building my credit and I’m thankful that once again I can rely on Jakob and Kouchner Financing for helping me rebuild my credit." -G.F.


"Thanks for the help, WILL definitely use your services again!" -T.S.
 
"The service I received when I contacted Jakob and Kouchner Financing really made me feel like I was part of a family. This shows me that you are so true to your customers, you care about our well being.  I love my new vehicle and I’m am very happy.  Gary, thanks so much to you and your team for going above and beyond in customer service and commitment!" -W.B.


"As a  long time customer of Jakob and Kouchner,  I will start to say, when I first used their service my credit was below average.  Unfortunately  I wasn't that educated on how to deal with my credit.  Monica  worked with me and helped me to consolidate my debt with a great interest rate. Now I own  a small business and  I owe it all to Jakob and Kouchner. Thank you guys so much!" -L.P.

"Simple, Reliable, Fast!" -E.W.


"Jakob and Kouchner Financing looked past my credit and gave me the chance to prove I could pay back  a loan without  problems." -D.B.