Long-Term Loans
Extended repayment periods for larger financial goals. Competitive rates and flexible terms.
Understanding Long-Term Loans
Long-term loans are designed for borrowers who need larger amounts of money and prefer extended repayment periods. These loans are ideal for significant expenses, major purchases, debt consolidation, or long-term financial planning.
Benefits of Our Long-Term Loans
When you choose TwentyLoans for your long-term loan needs, you benefit from our commitment to providing affordable, accessible financing solutions.
Fast Approval Process
Even for long-term loans, we maintain our fast approval standards. We make decisions really fast, so you don’t have to wait. Usually within 30 minutes, you’ll know if you’re approved. Most users complete our form in just 3 minutes.
Industry Leading Interest Rates
We’re called TwentyLoans because we almost never charge over 20% interest rate. Our industry-leading interest rates make long-term loans more affordable, saving you money over the life of your loan.
High Approval Rates
We have industry-leading approval rates. Many users who don’t get approved by other companies come to us and find success. Our simple criteria and flexible approach mean you have a better chance of approval.
Flexible Repayment Terms
Long-term loans offer extended repayment periods, making monthly payments more manageable. This flexibility helps you budget effectively and reduces financial stress.
Minimal Credit Impact
We rarely do credit checks, and when we do them, which is not common, we do soft checks that don’t have any impact on your credit rating. This means you can explore long-term loan options without worrying about credit score damage.
When to Consider a Long-Term Loan
Long-term loans are perfect for various financial situations:
Major home improvements or renovations
Debt consolidation to simplify payments
Large purchases that require extended payment
Business investments or expansions
Educational expenses
Medical procedures or treatments
Wedding or other significant life events
How Our Long-Term Loans Work
Our long-term loan process is designed to be simple and straightforward:
Complete our quick application form with basic information
We review your application using our simple criteria
Receive approval decision within 30 minutes
Review and accept your loan terms
Receive funds and begin manageable monthly payments