Personal loan terms are usually between one and five years. While terms can vary among different loan providers, they’re also reliant upon your financial circumstances. Depending on your application and the results of your credit check, lenders may offer you a longer or shorter loan term. Some personal loan terms can stretch to 10 years, but this is rare. Remember, though, the longer the loan term, the more you’ll be paying in interest, even if the monthly repayments are lower.