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It turns out that measuring our creditworthiness -- how likely we are to repay our debts -- begins with something called a credit score. People with bad credit have low credit scores. [link widoczny dla zalogowanych] When applying for a short term loan, customers have the option of choosing to repay over 1, 2 or 3 of your personal repayment periods. This means that, when an approved customer takes out a loan, they can choose to repay it in 1, 2 or 3 portions, with interest accrued due on each repayment period, and the final loan repayment due on the last of the series of payments. There is arguably no such thing as a guaranteed loan but a loan with a guarantor is as close to this as you will find. Unless you are an ex bankrupt or in an IVA you are guaranteed a loan with a qualifying guarantor