I think the types of loans are quite good. I think one type of loan is missing. One where you get payed out not 100%. I think a loan with a disagio is missing.
The advantage of a loan with a disagio could be, that there is no interest rate during the whole time of loaning the money and the interest is calculated into the disagio that it corresponds a certain % of the whole sum of the loan. Than you have only to think to pay back and have enough money on your account a couple of days in front of your main repay date and not every week.