Pros
You can wear sweat pants to work. One of the Team Lead's wears sweats almost daily.
Cons
The owners are not business savvy at all. The two owners hype up the unsuccessful company and promise to get new credit unions to partner up with Autopay-- it never happens. The sales "Champions" as we were titled (which is just a cheesy way to hype up the sales position, which actually sounds unprofessional and ridiculous) have an incredibly hard time making a sale go through. We play the middle man between credit unions and customers. There is merely ONE credit union that will do loans nation wide. The other few, will do just a few measly states. Autopay has this out of date technology that we're to use, to find people the best rates out of the very few credit unions we work with. The rates are extremely high compared to banks and other lenders that the customer can easily go to. It takes many days for the deals to process, at Autopay, and the customer has to do a lot of work on their end. 90% of the time, the customer backs out, finds better rates elsewhere, or simply doesn't want the hassle of all the work that is required on their end. Autopay requires the customer to sign paperwork in front of a notary and drop off the singed paperwork at a FedEx store. Also many people don't feel comfortable sending their personal documents (social security card, etc.) via text or email. The owners pride themselves on conducting business in a new age style, but I felt that it was chaotic and not a successful way of doing things. Several credit unions have backed out with their partnership with Autopay-- for whatever reasons that I don't know, or feel confident with Autopay about. The owners and managers clearly lie and keep it a secret to cover up the reality of things. The owners think that micro managing is the way to go to start making their business a success. The training program was a 2 week program taught by an ex-collections specialist. I was confused as to why a collections specialist, who has never sold a thing in her life, would be teaching a sales position. The focus was on irrelevant material that had nothing to do with selling or the position itself. When I got on the floor to do my job, I was clueless as to what to do, and the manager was of absolutely no help. I had to learn by trial and error and could not make a single deal go through. They had told us that one particular sales rep made $10,000 to $18,000 a month, so I believed that the job could be very lucrative and stuck with it. Only to find out that it was absolutely IMPOSSIBLE for that rep to make so much money on commission. I do NOT appreciate being lied to be management about that. All phone calls are recorded and we would each have to do regular one-on-one "teaching" sessions on what we did wrong. We were essentially told to act like robots with no personality whatsoever, and do it the way the owners wanted us to do it-- to a T. The managers are also not business savvy and are brain washed by the owners, believing that Autopay is an up and coming business. It's a small company where they used to do collections, and just recently have experimented with the refinancing part. I felt like a guinea pig, and did not appreciate the lies and promises that new credit unions were coming on board, that would actually give us competitive rates to work with. I believed that one day I could actually compete with what's out there. It's a very immature business that is run by amateurs. The people they hire are young and inexperienced, so they can take the micro managing and be naïve enough to believe that that's the way to treat employees. They can also afford to live off minimum wage that 95% of the reps make. The only way anybody can make any sort of commission is if you can manage to sell a warranty service that costs the customer thousands of dollars. I felt it was a rip off to the customer and did not feel comfortable selling something that I did not believe the customer needed or wanted. This place is a joke. If you want to be a robotic guinea pig without freedom, making minimum wage, this is the place to go. They hire anybody!