That will depend on your preferences. During the application process, you will be presented with a variety of offers where you get to decide what time frame is best for you, between 24-60 months. Whichever 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!
You can also make additional payments on your Payoff Loan to pay back the balance even faster than your initial term.