Repayment terms determine how long you have to repay the borrowed amount and how much interest you may pay over time. Unsecured personal loans used for home improvements commonly have terms ranging from one to seven years, although some lenders offer shorter or longer periods. Request a written disclosure that identifies the APR, finance charge, payment schedule, total payments, and amount financed. Where available, compare standardized loan disclosures rather than relying on advertised interest rates alone.