customer service representative

office manager

manager in training

insurance verification specialist

center manager

Check Into Cash

I was brought into this company based on lies. The DM that hired me lied to me about the pay, the benefits, and everything else. I left a job that paid a dollar more per hour and on my first day, she told me she wasn't giving me what she told me I would get at our interview. The insurance was expensive and horrible. The management are HORRIBLE at training and pretty much leave you to figure out everything on your own. They tell you "early evening" nights, saying they're open from 10AM to 6PM. They do not tell you, however, that you have to be there at 8:30AM to start collection calls and sometimes you're there until after 8PM doing collection calls. If you have one minute of overtime, you are in a lot of trouble. If you have one minute UNDER the 40 hours, you're in just as much trouble. The company is ruthless and preys on desperate people.

I'm assuming they hire management out of high school because that's how they all act. From store managers to District and Regional managers. They pick favorites and let some people get away with EVERYTHING and then if they don't like you, they'll write you up for something as small as saying "we can't do that" to a customer (even if we really CAN'T do something). 

There was never any employee appreciation. I'm not asking for gifts or anything, but a small "thank you" for running around all over Wisconsin and filling in at different locations on a minutes notice would have been nice. They'll take advantage of you and if you say "no", you are put on the bad list.

 And DO NOT fall for the "bonus" line. You CAN earn a bonus. Only if every customer makes their payments on time and they expect you to do collection calls all day long, and if there's a customer that changes their number and never makes a payment, it's YOUR fault. Bonus gone. And the bonuses are bull anyway because they take all of the stores bills out of your bonus pay. Ink for the printers, paper, even TOILET PAPER. It ALL gets taken out of your bonus every month. I'm pretty sure those are all costs of running a company, but hey, what do I know.

This is seriously a horrible company to work for. The job itself isn't hard or horrible, it's the COMPANY. If you're interested in getting into the loan business, try Check N Go or a bank. They might treat you a little more like a human being.

A typical work day involved arriving to work in the morning and reviewing the individual work log, which was prepared by the manager daily, to see what cases and or loans had to be taken care of that specific day. Cash and personal check inventory was prepared, client files were reviewed, collection and billing calls were made through out the entire day and customer resolutions and or agreements were documented. Daily monetary bank deposits and withdraws were performed, which required local travel. Heavy phone volume of at least 150 + calls daily and involved anywhere from simple company location questions to negotiation of debt and escalated customer resolutions. All of my co-workers were just as busy throughout the day as I was and did their best at resolving and addressing any customer concerns and or complaints. The hardest part of the job was doing "field calls", where we personally had to go to the home or workplace of the individual customer to give them notice of missed payments due to non repayment on their loans. This was hard for me because some customers would get very mad at the fact the we would show up at their work or home with the loan default notices. I also did not feel very at ease when ever I had to deposit or withdraw large amounts of money in cash such as more than $10,000.
Working for Check into Cash taught me a lot about the "financial world" and how small loans/ cash advances services work. This position taught me how to strategically negotiate loan terms and how to market the business, which was not something I normally had to do. They also taught me how to creatively but professionally conceal large monetary deposits when going to the banks so that I would not feel so nervous about possibly being robbed.
I enjoyed doing the bank and deposits runs because it allowed me to leave the busy office for a little bit and interact with other merchants.
It was literally a breath of fresh air due to the stress of such a highly busy office. I can also say that due to the high amount of work and variety of customers, I was always busy. I enjoyed keeping busy.

I held branch manager position a few years ago and it still feels like a fresh nightmare. I’m writing this review because my niece just quit this company at a location in AZ. She told me the same recent horror stories I had back then working for the company in TN. I don’t think we had the ability to write reviews back then, so I am doing one now... because apparently, nothing has changed. For example with my experience ... as manager, they paid me for 40 hours on salary every week and worked me 50+ or more if they had their way. If an employee called in, I was expected to cover their shift. Benefits didn’t start until after 60 days.  Whole company was super shady lending practices. 700% interest or more in most cases, back then. A $500 loan costs you $2000 in the end and they prey on the poor. Heck, it may cost more now. I remember that my district manager was never encouraging, no matter if me and my girls met quotas. Answering their unclear, cryptic corporate emails or poorly generated sales leads within seconds of receiving them was more important than helping the customer standing in front of you.  District training manager was two-faced and in retrospect, couldn’t  train a dog to potty correctly. Everything I learned was done by calling other center managers for help, who have been with the company for years or just winging it... both scenarios wound up with me always in trouble with the district manager somehow. I was thrown into my position with really incomplete training yet took brunt of blame when what I thought best didn’t turn out as planned. Don’t waste your valuable precious life ever working there. It’s a big heap of preventable stress with a side of petty shallowness wrapped in a twisted corporate/management sandwich. Not to mention you’re taking money from the poorest of people who have come to you in desperation and i could never make enough money for corporate. They always want more money. Don’t be miserable. Run.

I actually really loved this job, and was excited about going into work everyday. I worked hard at what I did and took the job very seriously. However, upper management has their favorites and myself and the other girl that I worked with were not one of them. I only worked for the company for 5 months, and in that time went through 3 managers. The other girl I worked with had only been there a month longer than me. We ran the center with NO MANAGER for 2 months, and I had only been there for 3 months at that time. I made a mistake, and it was not brought to my attention until a new manager was hired, and I ended up loosing my job, as well as the other girl that worked with me. We were both fired within an hour of each other. I would not recommend working for this company, because no matter how hard you work, or how good you try to do, it is not recognized. But they will for sure point out the  mistakes you make and not even give you a chance. There is A LOT of gossiping of past employees, and this is from management.. There were times that when just the 2 of us worked we were so busy we did not even get to sit down for a lunch, and worked right through our lunch hour, which we did NOT get paid for. We both TRULY loved this job, and worked so hard to make our center as good as we could with what we had. And they looked for a reason to get rid of both of us. There is also one employee that will throw you under the bus for everything, and you felt like you had to walk on egg shells anytime when she was around, because she was such good friends with the district manager. I guess the worst part is we did really care about the company, ,and in return the company did not care about us. And within 20 minutes of us being fired, the jobs were already posted as needing to be filled. So, we were just a number and a warm body to fill the seats.

I went to work here right before Covid 19 got really serious, and my state went on lock down. I was unable to travel to train with the district training manger. I never  received any training the entire time I worked there. One Manager I worked with only wanted to train me to take out the trash and clean the restroom. I told this manager I  felt uncomfortable helping customers that were standing too close to me, and we should be practicing social distancing.  She told me "If I was going to work at this company I would have to help customers regardless of how close they stand to me, and it doesn't matter anyway because we were all going to get this". I went to the store I would be working at to train with the CSR, this person refused to help me with anything. I have never been shown such a lack of respect from anyone ever. I did not get respect as a manger, or a person in general. The district manager was constantly being called and told I was not doing anything. I had zero training, I had no idea how to do anything. If you wanted a sneeze guard, mask, gloves, hand sanitizer, cleaner, tolet paper it was your responsibility to go out and find them. If you wanted a sneeze guard you had to go to the extremely busy hardware store and find supplies and build one yourself. You also had to do this on your own time, not company time. The district manger would call me on my personal cell phone that I pay for, sometimes  up to five times a day, to ask me things like "you are aware of what time the center opens". The store phone was always available to speak with me. I'm not sure why it was necessary to call my personal phone. I was thrown under the bus more time than I can count, by everyone who i had contact with here. No one even attempted to be nice to me. Leaving the job I had to come work here was one of the biggest mistakes I have ever made in my life. 
".

A typical day at work starts off with running bank errands to check for funds available in past due and current accounts, make deposits, get debits, or endorse checks, depending on what is necessary for the day. After I get back from running bank errands, I transfer any information I received to the system or record it in customers files and then I proceed to balance my drawer which occurs hourly. Once everything is recorded and I balance my drawer I help with past due (collection calls) which is where I try and get a hold of the past due customers via telephone by contacting the customer, as well as the customer's work, and any references that were provided. I also record all information in their file. After collection calls are finished I proceed to courtesy calls, which is where we call and remind the customers that are due for the next two days that their payment is due. Around three o clock I start second round collection calls but this time I only call the customers cell, home, and work phone.  Around five o clock I start fall outs, which are the customers that did not make it in that were due that day. I call them to see if they are still going to be able to make it in by the time we close. At six o clock I close the store and perform all the closing duties necessary to close the center. Throughout the day I am helping payday, title loan, Western Union, check cashing, money order, and US money card customers in person and via telephone. Some days are slower than others so during those times I maintain store cleanliness, file, organize and store paperwork, and give inactive customers a call to remind them that their account with us is still open and we are here for them when they need us.

Managers are nothing more than glorified CSR's who take the fall for any and every thing that goes wrong. As a manager here, you have no say at all in the growth and decision making of your own store. You are simply just a robot and enforce the rules that the District Manager has put into place. If you have a good idea about something that would make your store more profitable, you may as well forget sharing it with anyone. It doesn't do any good. Your ideas are thrown into file 13. 
Managers are supposed to be in charge of new growth and building relationships with current and potential clients. You are expected to go out and market for new growth but you never get to do that because your store is usually so short handed from high turnover, that you are basically nothing more than a CSR processing transactions all day. Oh, and even if your store is doing good and fully staffed you still never get time to do anything because they will send you or one of your employees to other stores to help them out when they are short staffed, thus leaving you short staffed after all. 
At least one or more stores is always short staffed because employees come and go quickly. You get little time to focus on the financial growth, and when you don't have time for that in this industry you can expect the charge-offs to be bad for that month. 
This, in turn, will get you chewed out as if you were just being careless and not paying attention to what needs to be done. 
There are never enough hours in a day to take care of what needs to be done and you have to be on your toes at all times in this industry or you lose.

This is the absolute worst company to work for. They only see their employees as numbers to fill a store. They care about upper management, but store level employees are pish posh. I will say my manager was very knowledgeable and knew the store in and out, and she trained me well. I found out why later. She wanted us trained so she didn’t have to do a dang thing. She would take credit for the things my coworker and I did. But then would throw us under the bus if a mistake was made. She would leave early all the time. Which I know that managers are supposed to leave early one day a week to cut hours because they worked so much. She took advantage of that. She played favorites, and they got all the perks. She would call in just about every other day and was late EVERY DAY!! The DM didn’t care or do anything because she was the best manager in the district. My coworkers and I ran that store, and she got all the credit. Never once did she or the DM ever tell us good job and then my coworker and I were robbed at gun point. We weren’t offered any time off or any counseling or any kind. All they cared about was the money that was take . My coworker was in tears weekly because of a tiny mistake that was made and the fear of being fired. It was a very toxic environment to work in. There was zero joy about that place. Oh and the final straw for me was when the DM sent out a cryptic email to all the stores telling us we had to have full make up and hair fixed daily and it couldn’t be in a ponytail or messy bun. So basically discriminating against people’s looks. So if you e read this far I’m begging you PLEASE SAY NO and STAY AWAY. Nothing was worth the measly $10 an hour

I was stuck in my store for about 8 weeks with no breaks, no days off and no help....but as soon as I got my store staffed they were constantly pulling my employees out to go and cover other stores. When I first started, they required you to go to people's houses and demand payment but we're too scared of the CFPB so they ended that practice. They leave little to no option for working with people when their loans go past due, and their solution is to harass the customers & endanger their employees by sending them to their houses. Most of the stores are run down and the company is extremely cheap and they truly do not care about their employees or their customers. The bonus program can be extremely beneficial when you hit your numbers....but only 5 out of all the stores in Wisconsin actually turn a profit. You will most likely get promoted to center manager very quickly....but only because their turn over rate is so high and they're usually desperate for a warm body...congratulations! You get to do twice the work for a $.50 raise. The man who owns the company always sends out Christmas cards showing off how rich he is and how awesome his house and horses are...all while we are barely making minimum wage. My DM was absolutely amazing but the guy above her was an absolute joke. You'd ask him a question about something and he would just tip toe around the question because he didn't know the answer. I did meet some amazing people throughout some of the other centers though.

If your just starting there or if your a long term employee, this company does not care, they will get rid of you. You get wrote up for everything, and  they use the Center Managers to do the dirty deeds, the upper Management teams do not want to do,nor care to do. They act helpful but when it all falls down the Center Managers and CSR's get the blame, and the write ups for it. They go through to many employees because of the treatment from upper level managers, The pay is undesirable, and the work they require you is to much for the little pay you get. The Stress and the drama there is not worth any of it. Yes there are good points, but it has nothing to do with the company, the good points are the customers, and the office duties. However everything else is just plain horrible. So you could not enjoy the job fully the way you should because of the company's Higher Level Employers.

Miles are paid to you but not even by half of what you use, they only give you 30 miles a week but expect you to run more then 50 miles a week.

They don't pay for maintenance on your vehicle at all, 

They won't spend money on Marketing but expect you to Market 5 hours a day every day 6 days a week, with no Marketing Materials. 

They expect you to get a certain amount of Titles a month no exceptions,  even if the Customers won't or doesn't want them. You can not MAKE people give up their Titles.... You can only pres-way them to but the company believes different.

I could go on and on about how bad this company is to work for, but that would be wasting my time on them more then I already have so.... consider yourself warned, BAD BAD!

Top Job Titles	Average Salary
Customer service representative 3 salaries reported	$13.83 per hour
Office manager 1 salary reported	$33,000 per year
Manager in training 1 salary reported	$16.50 per hour
Insurance verification specialist 1 salary reported	$2,000 per month
Center manager 1 salary reported	$13.00 per hour

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