The choice of repayment term will immediately affect your monthly repayment amount. You should balance the loan repayment term and the monthly repayment amount you can afford in order to ensure there will be enough money left for your daily living. A longer repayment term will help lower your monthly repayment amount, but the total interest paid will be higher. You should carefully determine your loan repayment term according to your financial capabilities. Citibank offers loan repayment terms from 6 to 72 months for Citi Card Debt Consolidation Loans and from 6 to 60 months for Citi Speedy Cash for added flexiblity. The approved loan repayment term is subject to the circumstances of individual cases. Please contact Citibank for further details.