Pros
The work is easy, but that's a con in itself because it's mindless and repetitive. You get to work inside.
Cons
Quick summary: mindless work, harassing customers, dm's/managers typically don't care about employees and aren't qualified to actually manage workers, basically no room for advancement, no pay increases, company that won't catch up with the times (don't even have outside email). Where to start. You need a degree for a rep position, but it's completely unnecessary. A monkey could do the work. The work is just taking applications over the phone and in person. If you don't have an application, you are supposed to call people who are late paying or call current and former customers to try to get them to borrow more money - repeatedly. Needless to say, most people don't appreciate constantly getting phone calls, even after telling the company no - but if you stop calling you get in trouble. And you get ridden constantly on your lending and delinquency numbers. District managers don't care. I know of a DM who literally screamed at a coworker in the middle of the office because she took a week off to be with her daughter in the hospital and didn't hit her loan goal because of that. They will move an employees home office without any notice, and they don't care about the distance. And most don't even know how to take a loan application. Managers don't have to do anything except hang around long enough to get their positions - that means they don't have to be intelligent, friendly, qualified to manage others. Being a manager does not mean much though; you do the same work but just have to make sure that 2-4 others do theirs. And even then the pay is not great. Coworkers are alright, but that varies from location to location. In my experience most employees do not like the job at all, but can't find a local job they want to switch to. Sadly, if you're with the company too long you're basically stuck. Career opportunities are basically non existent. You can move from financial rep to manager after 2 years IF another manager leaves (usually at least 8-12 people waiting for that one opening) and managers basically have to wait for a dm to retire to hope to be promoted (again probably 8-12 within any given area just waiting for that one spot to open). No corporate opportunities either. And don't expect a raise - the company eliminated those a year ago, even though current salaries are very mediocre. There are some reward programs if you do enough new money volume for the month, but it's not any amount that's significant. Bosses will tell you if you want a raise, you need to sell ancillary products on top of loans (overpriced, low value term life insurance and auto plans similar to AAA), for which you get an average of $10 for each one sold. Again, nothing significant. Finally, the company is archaic, especially technologically. They only have internal email. There isn't any internet access except for switchboard.com. Not able to process payment by credit or check card. No voicemail, not even any hold music. I'm surprised they don't still make employees use type writers.
