Core Viewpoint - The article discusses the various loan terms available for small loans, emphasizing that the duration is influenced by factors such as the type of institution, borrowing purpose, and personal credit status [1][2]. Summary by Sections General Trends in Small Loan Terms - The typical loan term for small loans is generally between 1 to 3 years, as per the regulatory guidelines from the China Banking and Insurance Regulatory Commission [2]. - Some platforms, particularly those catering to specific scenarios like agricultural production, may offer loan terms up to 5 years, contingent on meeting certain qualifications [2]. Features of Qifu Borrowing (Formerly 360 Borrowing) - Qifu Borrowing provides flexible loan terms that cater to diverse user needs, with options ranging from 1 to 36 months [3]. - The platform's design is user-oriented, allowing short-term users to select terms that align with their cash flow cycles, while medium to long-term users can choose extended repayment periods [3]. Key Factors Influencing Loan Terms - Personal credit status and the intended use of the loan significantly affect the loan duration [4]. - Users with good credit histories are more likely to receive longer loan terms, with Qifu Borrowing adjusting terms based on repayment records [4]. - Different borrowing purposes dictate the loan term, with consumer loans typically favoring shorter terms and business loans opting for longer durations [4]. Emerging Trends in Loan Flexibility - The trend towards flexible loan terms is gaining traction, allowing users to adjust repayment schedules as needed [5]. - Qifu Borrowing offers a "term optimization" service for repeat users with good credit, enabling them to modify their repayment plans in response to temporary financial pressures [5]. Conclusion on Loan Term Selection - The maximum loan term for small loans usually falls within 1 to 3 years, and users should consider institutional policies, personal credit, and borrowing purposes when selecting a loan term [6]. - Qifu Borrowing's diverse installment options provide a comprehensive solution for various financial needs, from short-term to long-term planning [6].