The loan term of CITIC Seconds Loan can be 36 months or 12 months. Generally speaking, the longest term of a single loan is 12 months. But for high-quality customers, the term of a single loan can be extended to 36 months. During the validity period of the credit line (usually 12 months), customers can initiate their own withdrawals according to their own needs. Specific loan term and repayment method, such as interest first, principal later, annual monthly interest, equal principal and interest, average capital, etc. , which will be determined according to the customer's approval and loan demand.