The long-term validity of the loan means that the loan amount will be saved for the user for a long time after the online merchant loan is successfully approved. Some banks require users to use the loan as soon as possible after loan approval. The validity period is one month or three months. Long-term validity means that after the loan is approved, the bank will keep the approval information for the user as long as the user is not in a hurry to use the money. The loan amount and validity period can be half a year, one year or even longer. The above is what it means that the loan is valid for a long time.