Mentioned in a sibling reply, but the money I loan is to either close friends or family members or in-laws. I know them well enough to know that "not paying me back" really isn't on the table.
In regards to "not paying on time", these are friends and family, so it's not like I'm going to go break their kneecaps or anything; if they're a bit short on the payment date we just push it back.
In regards to "not paying on time", these are friends and family, so it's not like I'm going to go break their kneecaps or anything; if they're a bit short on the payment date we just push it back.