Process & terms

Are 72-month personal loans available?

Short answer

Yes, with some lenders. 60 months is the most common maximum term for personal loans, but lenders like LightStream, SoFi, and Marcus offer 72 and 84-month terms for larger loan amounts (typically $20,000+). Longer terms lower the monthly payment but materially increase total interest paid.

Context

The math on long-term personal loans is meaningful. A $30,000 loan at 13% APR over 60 months has a $682/month payment and $10,950 total interest. The same loan at 84 months has $545/month payment and $15,807 total interest. The $137/month savings costs nearly $5,000 in extra interest.

Longer terms make sense when monthly cash flow is the binding constraint, when you have a specific plan to refinance within 2-3 years, or when the lower payment frees cash for higher-return uses (debt payoff at higher rates, retirement contributions for employer match).

Editorial

Reviewed by: Compliance Review
Last reviewed: May 22, 2026

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