RAC Acceptance Employer Reviews

A typical day at work consist of paperwork, phone calls and sales working at Rac Acceptance i have learn how to basically file an obtain accurate paper work with mananging the crew to lead in the right direction for success. The staff depends on me for the right tools and skill to help them become better at the job they do. There is nothing hard about – more... my job, i enjoy making phone calls to customer, converting them into sales just all around a great time when I'm working there. – less

The hours are not negotiable and does not allow time for a personal life outside of work

This job was located generally inside a furniture or appliance store. My job was to provide supplementary financing so that customers could rebuild their credit and enjoy their purchase. I generally worked alone. Closing a deal could take anywhere from 1hr to 1wk. I had to practice bill collecting, new customer, service calls, pick ups, reports, deposits – more... sometimes by myself. The hardest part of my job was arriving at 10 am and leaving at 9 pm 3 days a week. The most enjoyable part was making the customers happy. – less

received plenty of good knowledge,from co workers, district managers and regional managers

I was a Sales Assistant at Rac Acceptance inside of Value City. It was the worse job I've had in my years of working. Not only are you constantly ripping people off and lying them about not affecting their credit, you also are expected to have no life outside of work. And let's not even begin to discuss the 9.50 pay for a CSR and only a .50 raise once – more... promoted to a manger position. My coworkers were wonderful but RAC Acceptance as a division of Rent A Center suck balls! I quit after working 3 months because I found a better job with better hours and actually help people rather than hurt them. – less

a typical day at work is phone calls its only one u and the hardest thing is u being responsible for people who don't want to pay for there bill....horrible

My co worker and I were hired 11/12 and were both laid off early april, with little warning (1 day). We were told, when hired, that if the business did not produce deals, that we would be transferred to another location out of our borough. They were lying, both our regional manager and our dm. Furthermore, they did little to help us in obtaining work – more... within the rent-to-own side. Yes, there was no business to be had, through no fault of our own. We received apologies from our regional and dm, but you will be laid off tomorrow. Both me and my co-worker were just beginning to get our benefits in March, and as soon as they laid us off, we lost everything, like we were criminals. These people are heartless...steer clear!! – less

mostly collections calls, expected to 'sell' without commission, basically a rentacenter in a store, no promotions for rac acceptance, lots of promotions for rentacenter employees

11 hr shifts work every weekend . No work life balance if you have a family. Alot of down time the pay is ok for management if you want to work the hours and every weekend. Earned vacation can't take unless you are meeting goals they won't approve vacation time .

Lots of downtime.
Expect too much as far as sales goals yet there is no advertisement for the company.
Too much calling and hassling of customers that are past due. You even have to call the customers references twice a day everyday except Sundays.
Pay is decent though

A typical day as a Sales Manager with Rac Acceptance was a 11 hour day. Managers are required to open and close all scheduled days with 2 days a week off. I learned alot in the lease to purchase business, among laws, sales, lease terms etc. I was promoted to sales manager after 3 months of employment with the company. They thrive on hiring within. The – more... hardest part of the job was collections and maintaining your delinquency in the store. What I enjoyed most was the people I worked with and my District Manger. – less

Greeted customers daily and explained the program to increase sales. Walked customers through paperwork, and signing on the contracts. Followed up with the paperwork and verified all references and information. Entered data into the computer system and preformed collection calls. Processed credit card and cash transactions. The most enjoyable part of – more... the day way being able to improve the quality of life of our customers. The hardest part of the job was dealing with unhappy disgruntled customers. – less

Typical day is getting customers approved and managing the store. While, working business to business with the vendor to create and maintain a productive customer base.

The most boring job I have ever had. Tons of info available to learn problem is once you dig deeper.. they find a reason to fire you. I asked how rac was excluded from 90 days same as cash. Especially since within their own company info it plainly states Missouri is a state where ALL rental agreements are same as cash value within 90 days. Asked my – more... district manager three times why we were excluded was never given straight answer. Also when hired I was told one wage then paid another when my first check came. Come to find out this was normal practice. I fought for the wage I was hired at. Needless to say I did in fact get that wage but had to sign some contract saying I agreed to the wage Increase but also agreed to no raises for two years. The managers never return your calls, and they Watch you via off scene video. Which I dont care I they want to watch me pick my nose on a daily basis so be it. Got fired cause I loaned money to the host stores manager per his request on a snow day while short handed. Oh well glad to be gone. This place sucks they are misleading to customers.. tell the customer as little as possible but just get them to sign no matter what the cost. Didnt have a collections team my asst and I had to do repos ourselves at night in the middle of nowhere. Did not like being put in that position. All in all pass on this place. Somebody is getting rich quick and its not going to be you. – less

I feel like when you are interviewed they sell you the job as if it is a good place to work. Before they hire you they make you go through a 4 hour observation process that you don't get paid for. This can be misleading because you are put with someone that comes off very professional and is also a great seller of the job but keep in mind they are observing – more... you as well. To see if you will sell their program to their standards. Once you finish the observation your expected to fill out your information by internet at home and then go in the office and do ore computer training after that's complete you work that day. Then you have e-learning that takes two days that tells you how to sell the program but what set off red flags for me was that co-workers that work here constantly complain about their jobs to anyone who will listen. Which I think is very unproffessional. No one wants to be part of an organization that once you get into the job you are subjected to co-workers telling you how bad the job is and how they are looking for other jobs. Plus they tell you no one ever stays here long. My current co-workers I have met have only been here between 1 year to 4 mths. No one for longevity. Some of them told me that the DM has split personalities he is nice to you to get you to take the job then he changes on you. Keep in mind this company is all about making money and getting people to buy into their program and stay in debt with them. I had c-workers tell me the company hates it when people pay off their loans. You will be expected to write contracts, do collections,telemarketing, and send the collections department out to retrieve items purchased to rent in their sister store, You work Mon to Sun mandatory Friday and Saturdays no exceptions. And every other Sunday off. Keep in mind if one of your days off is a Sunday that leaves you with one day off doing the week. So you have no time to do anything else. Managers get 55 hours a week $13 hrs, Sale Assistants $10 hrs 45 hours a week these two positions you must write two contracts per week for commission. CSR 9.50 40 hours a week they are to do everything a Manager and Sales Assistant does but they get no commission. I really loved the DM he seemes to be a great guy to work for but he has very unhappy employees. He has people who will tell you not to listen to the unhappy co-workers complain about him
because they don't like him and the working conditions are not that bad. After reading reviews and working for the company. I came to my on conclusion not that many people are unhappy just because they don't like someone. Nor would they be looking for other employment. I need work but I don't need drama or stress especially for 10 hours a day. With no time off. I believe if they had people work 9 to 5 and then have people come in to 5 to 9 it wouldn't be so bad but 10 hours a day and mandatory Fridays and Saturdays is not worth it if you have a family. They say that if you have a servants heart this is the job for you. Yes and I know the people getting this program already know they have bad credit but why prey upon that. Being a servant means helping some one and helping them, make their life better. You can't give someone unrealistic expectations they can't meet raising the bar so high that they can never get out of debt with you. Also a co-worker told me they only report to the credit bureau only when you are late. They claim to have an open door policy. I believe if you complain they use it against you. I feel like everyone needs to research a job before they take it. Also you will not know the truth just by doing a 4 hour observation. Again this is a great job for someone who just want to work all the time. And do nothing else.Or your desperate and you can't find another job. – less

Answering phones, telemarketing, typing agreements, doing collection calls, & verifying the information on customer order forms

A typical day working here is full of emails from 3 different superiors sending you different expectations or goals of what you should be doing. Locations are never staffed fully so no matter what there is a surprise emergency and someone has to go work somewhere else to cover, leaving your own location shorthanded. Policies are being changed on a regular – more... basis, but it doesn't really matter because district managers make up their own anyway. Due to the extremely quick company growth there are inherent problems with people being promoted too fast without proper training: either district managers brought in from the outside have never done the job of the sales manager or sales assistant so their guidance is often vague and unrealistic, or district managers promoted internally have done our job, but have never supervised mulit-unit so they have no delegating or prioritizing skills needed to successfully run a group of 8-10 locations. Because of the rapid growth it seems that anyone who passes the background check gets hired, and no matter the attendance issues, ability to do the work, or whatever concern that a normal employer would address, just having a warm body at the desk or a name on the roster matters. The hardest part of this job is the double standards of policy saying to do one thing, but being told off the record to do something else regarding both sales (just don't tell customers everything, leave out these things, be vague on purpose, go fast so they don't have too many questions, etc.) and regarding collections (do anything and everything it takes to get the money-- just don't log it into the computer system and don't get caught). The most enjoyable part of the job has little to do with RAC Acceptance and everything to do with the fabulous client stores that I have had the opportunity to work within, those folks have been wonderful and make my days more bearable to get through. – less

You have to sell rent to own contracts to customers with no or bad credit for furniture and/or electronics/appliances.in a retail environment.
Result that major part of the day you're making collection calls and if store traffic is slow they want you to dedicate all time to telemarketing. You have to adapt to host store opening hours, holidays, weekends, – more... black Friday etc. – less

My district manager was awesome! However, upper management was extremely inconsistent and turnover was high.

This was the worst job I've ever had. Basically, it is selling the payment plan from Rent-A-Center: Paying three times the amount the tag price of the item as a "Layaway at home". your client is so iver joyed at the ablility to get this product home, that they just sign their application quickly. and very few really listen to you, so a few month down – more... the road, thay all realize that they are tethered to this contract intil paid....or they can retuen the product. It's not a job I enjoyed waking up and doing every day. and it really broke my spirits. The compensation doesnt balance the amount of time you spent there. My typical shift was 10 am to 9 pm. I always closed since my manager refused to close, and she was a tyrant. Our DM was less than concerned with resolving the issues of the department. – less