Credit cooperative loans for eight years, the guarantor to sign twice. According to relevant public information, the longest one-time loan of a credit cooperative is five years, one loan guarantor signs it once, three years is the second loan, and the guarantor needs to sign it again, and the guarantor has to sign it twice in eight years. The term of bank loan can be determined by the borrower through consultation with the rural credit cooperatives, with a minimum of six months and a maximum of five years, and adjusted according to the loan purpose, application amount and loan conditions.