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On the short end, you may have just a year to repay a loan. If you’ve borrowed $1 million at 3%, with repayment of 25 years, you’ll be paying that 3% over the life of the loan. If you borrow $10, 000 and repay it within two years at 10% interest, while the interest rate is higher, you may pay less interest overall since it’s a much shorter term. Fundbox offers funding options up to $150, 000 with repayment terms of 12 or 24 weeks. Now let’s look at which types of loans are considered long term.