Actually getting a consolidation loan and using it to pay off your credit cards can take a matter of a few weeks. Paying off the consolidation loan will take between 12-60 months, depending on the term of your loan.
If you enroll in a debt consolidation program, it will take a maximum of 60 months. On average, these programs are completed in 36-60 months, but it can be less depending on your budget and situation.