Main Fortune Small Business 100 Small Cap Investing - Top 50 Ultimate Resource Guide Top Schools for Entrepreneurs 5 Best Bosses Which States Love Small Biz? Main Best Companies to Work For Best Places to Live America’s Hottest Jobs Fortune 500 Global 500 Fortune 500 archive Best Places to Retire 20 Great Cos. Generally, you have five years to pay back the loan and up to 15 years if it’s for the purchase of a first home. You’ll repay the loan through automatic deductions from your paycheck, including an interest rate charge, which is usually the prime rate plus one percentage point. To make matters worse, if you were to lose your job before paying back the early withdrawal, then the loan becomes immediately due, typically within 30 - 90 days. read more