You know there are some people who buy something on credit but fail to pay it back or borrow some money from friends but don't give it back on time. In my native language, We have two words to describe such people and those who are opposite of them who pay their debts on time so they can be trusted when it comes to lending them some money.
I've been looking for English words, expressions, and idioms to describe such people and I found these.
People who pay on the nail.
I need to confirm/reject these, and also to ask you for appropriate and common equivalents. If there are informal words for these please mention them.