Pros
It is a job that helps to pay my bills, but I'm still not sure it is worth it. Actually I know it is not worth it...I just lie to myself every day to convince myself that it is worth it, because I do have bills to pay. You will enjoy the job if you can get in on the inner circle. You can then request to be sent to any office and they will fire a manager there to place you there. I have see this with my own eyes. To add insult to injury they offered the fired manager a manager position in another state, which he declined. This is the job for you if you like coming to work every day wondering if you will leave with a job. February is a slow month for loans, due to income tax refunds. One day my supervisor called me and asked why had I not made any loans that day, I told him that everyone I tried to solicit was not interested. His response was "Well what would you do if I told you that you will not have a job tomorrow if you do not make any loans today."
Cons
Too many to name. First of all it all goes up to the top, they are evil and crooked. A district supervisor once stated that he tried to get a customer to burn down her house so that insurance would pay her account off. They have a big track record of being racist. If you are Black, you have very little chance to get past being a manager. This company may have a decent image on the outside, but it looks totally different on the inside. They love to hire people fresh out of college and with no industry knowledge, that way they can mold them up to be stupid followers that do not question actions. They will get very mad if you question their actions. They train you to leave dirty voicemails on collection calls. They even train you to leave it on the references voicemail, stating things like "Mr. Reference tell Ms. Customer to call Tower Loan today are we will take her to court." They have their lending policy in place, but they expect you to break the rules. If you do not break the rules, then you will not make your goals. If you are not making goals, then you are likely to lose your job. So you will be stuck between a rock and a hard place. Also know that when you start breaking the rules, they have your right where they want you. They will pretend like they do not know it, but as soon as they are ready to get rid of you, they will bring all of that up against you. Even though you only did that to keep your job in the first place. My best advice would be, do not look at this long term, try to get away as soon as possible, like I am currently in the process of doing. Or just do not enter to begin with. Another job cannot come quick enough for me. A few other less detailed pointers No Work/Life Balance - Be prepared to make this your life Hard to schedule a vacation - Your numbers better be on point for the month Lose your soul - To make it with this company, you have to not care about customers. You can actually get fired for being too nice.