There is a deadline. Guarantee loan, when the lender pays off the loan, the term of the guarantor expires. To vouch for others is to have the responsibility to pay for others. If the guarantor fails to repay the loan, the bank will sue and be sentenced. Because of lack of credit, the bank refused to lend to the guarantor. You need a guarantee to get a loan. Article 25 of "People's Republic of China (PRC) Guarantee Law" If the guarantor of general guarantee and the creditor have not agreed on the guarantee period, the guarantee period shall be six months from the expiration of the main debt performance period. If the creditor fails to bring a lawsuit or apply for arbitration to the debtor during the guarantee period stipulated in the contract and the guarantee period stipulated in the preceding paragraph, the guarantor shall be exempted from the guarantee liability; If the creditor has filed a lawsuit or applied for arbitration, the provisions on interruption of limitation of action shall apply during the guarantee period.