In the financial field, loan is a common financing method. For individuals or enterprises, it is very important to choose the repayment cycle that suits them. This paper will take the 36-phase loan as an example to discuss its time range and repayment period. 36-phase loan means that the borrower needs to repay all the loan principal and interest within 36 months. This kind of loan is usually suitable for borrowers with large amount and long time span. According to the definition of 36-installment loan, the borrower needs to repay all debts within three years. This means three years from the date of the first loan to the date of the last repayment. For example, you applied for 36 loans on June 65438+1 October12022, and the last full payment should be completed before June 65438+February 3 1 2024. Although there is a clear time limit, in fact, every bank or financial institution may make adjustments according to the specific situation, allowing early or delayed repayment.