How long does the loan process take? June 29, 2020 04:41 Updated The loan process is done in real time. Please refer to etika’s FAQ page for more information about the loan process. Related articles What is the interest rate? How do I take out the loan/set this up? How long is the loan period? Does this agreement with etika affect my credit rating? If I use every week's Active Benefits vouchers, how long will it take for me to pay off the watch?