Pros
Office type setting so the work environment is clean and somewhat professional. They do offer quarterly bonuses if the center and division do well overall. Typical benefits offered after 1 year of employment (health, dental, 401K, and paid holidays). The biggest pro would be the amount of vacation days that can accumulate the longer you stay employed with them, although the days don't rollover if unused.
Cons
The wages could be better considering the work involved and overtime is prohibited even though it may be necessary. Employees are expected to be loan officers(loose term), collection agents, MoneyGram representatives, general maintenance and housekeepers, as well as low level financial type advisors. The loans are unsecured so it is extremely difficult to get customers to pay back if they don't feel like it since the company doesn't garnish the customers wages or take them to court or report to any of the credit agencies. Basically free money!!! On top of that, the company offers title loans which is a different beast unto itself, and most of the time the company won't even repo the vehicle. Again, basically free money!!! There is a lot of pressure put on the employees to make hundreds of collection calls each day in-between answering the phones, helping customers, and all the other mundane tasks related to running an office. There is very little chance of working up through the company. Additionally, the industry itself is changing rapidly, but the company is still operating with antiquated systems and methods. There is very little sense of team camaraderie and true leadership is severely lacking. The stores are critically understaffed much of the time, and often an employee may be by them self the entire day.