The longest bank credit loan is no more than 5 years. Credit loans are unsecured and unsecured loans, and the loan term cannot exceed 5 years at most, while the longest loan term of general credit loans is usually 3 years.

The longest term of personal credit loans is five years, but different financial institutions have different requirements for the longest term of personal credit loans. The actual maximum term of a loan depends on the loan contract signed between the lender and the financial institution.