Yeah, either you notice that there are another 20 threads like this and don't loan him (or read his background check) or just expect him to be late as he seems to be 100% as I have seen these threads and chat blow-ups previously. I guess that is why he hasn't been in chat. Apparently if he doesn't pay you it will be a first...

My suggestion, delete thread and wait on payment. But, it could be a while