Traditional banks and credit unions often offer the longest terms for personal loans, sometimes extending up to 7 years or more. The length of the loan term can influence the interest rate; longer terms might have slightly higher rates due to the extended risk for lenders. However, a longer term also means you'll pay interest over a more extended period, which can increase the total interest paid over the life of the loan, even if monthly installments are lower. It's essential to compare both the term and the interest rate when considering a personal loan.