 And how long do people keep their loans out? Well, if they want, they can keep the loan out for up to a year. But since we only charge interest for the time you have the loan out, most people pay it off in a matter of weeks to save the most money. That was Chuck, and he's offering free loans to all new Idaho customers with no fee to apply and a week of free interest. Stop by in person, apply over the phone, or online at DontBeBroke.com. Don't forget, your first loan is free at the DLC. My son's with you.