How long it takes to pay back depends on your preferences. During the application process, you will be presented with a variety of offers. You can decide what time frame is best for you, and are between 24-60 months. Whatever you choose, it will most likely take you a lot less time than to pay off your credit cards on your own, since credit cards have no full repayment due date!
Also, making additional payments on your Payoff Loan can have you pay back the balance even faster than your initial term.