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End Loan Definition - Investopedia BREAKING DOWN 'End Loan'. An end loan is a permanent long-term loan that a borrower uses to pay off a different short-term loan that the borrower has already taken out. Although an end loan can have interest-only or other features that delay the repayment of principal, at some point an end loan begins to amortize. Loan Terms: Time Period and Specifics of a Loan Time as Loan Term. Sometime before the end of a loan’s term, the loan must be paid off or refinanced. When you get a loan (such as a 5-year auto loan ), you often have a required monthly payment. That payment is calculated so that you’ll pay off the loan entirely over the course of the loan’s term.