Money Gemachs typically insist on at least one guarantor before they make a loan. Someone needing a loan, suggests to the Gemach that his guarantor will be his credit card. He is using the Gemach to avoid using the credit card. If when the loan to the Gemach needs to be repaid, he does not have the funds, he says that he will repay it by taking out a credit card loan.
Assuming that the Gemach accepts that he can be trusted to do this, is it permitted to make him a loan? Do we say that by delaying the point at which he has to pay interest, the Gemach has served a useful purpose or do we say that by accepting the credit card as a guarantor, we are going against part of the idea of a Gemach?