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We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy . A short-term installment loan should be paid off in a month. It’s a general limitation on time in the USA. But, depending on the State, the limitation varies. Some states provide to repay such a loan as an installment one or a payday up to 90 days (3 months). It doesn’t mean that applying for a $200 you will totally pay it off in 90 days. The repayment period depends on the required sum of money, your payment abilities and sometimes your credit history. As it’s an unsecured debt, the lender is unlikely to provide you a bigger sum of money for a longer period of time. Guaranteed Installment Loans Yes, your personal information is safe. 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