A short term loan usually lends money for a few weeks or possibly a few months. Some people would consider that they are not worth having because they are expensive. However, there are people who find them extremely beneficial.
Applying for a long-term personal loan requires time and research for the best deal. Your search may start on the internet, or you may walk into your local bank or credit union for a meeting with a loan officer. You should do thorough research, compare loans from many lenders, and ask plenty of questions before you commit to a loan. Remember, you may be paying off this loan for a few years, so it is essential that you find a loan that you can afford.