Pros
Very simple product line, they pay for your mortgage licensing, slightly better starting pay than local personal banking positions and good benefits. You are at least keeping your customers from turning to payday or title loan companies who charge much higher interest rates. You also get to meet quite a few interesting characters.
Cons
Customers are ashamed to see you or be associated with you in public. It is best not to live near where you work in that regard. Collections center is very rude to the customers (even if 5 to 10 days late) and you end up taking the flack for it on your end. Bonuses are very dependent on the performance of others. Credit insurance is overpriced and over-pushed. There are company policies in place to keep customers from completely being taken advantage of regarding the insurance, but a lot of time is spent teaching you how to work around those rules at the local level. You have to earn three promotions (become a district manager) in order to escape the daily phone grind, and even they get pulled in when things get busy.
