"Got no job? We don't care. Got a bad credit rating? We don't care. Got a prison record? We don't care. Don't expect to pay us? THAT'S when we care!"
These places are less expensive than the bank in some cases and they give you a loan way easier. Pay it back on time and it is not a problem. I sometimes go there to cash a check for the fee rather than deal with the bank line and wait.
I use them like a 711 convenience store, paying a little more for the convenience. Sign my name on the check, slip it under the window and back comes my cash.
Most of mine are direct deposit.
When I do get a check, I whip out my phone and PRESTO!
Deposited.