To provide an accurate answer about when a loan will be paid off, key information is needed such as the loan amount, interest rate, monthly payment amount, and loan term. There are many calculators available that estimate the payoff date based on these factors. Typically, the payoff time depends on how much is paid monthly relative to the loan balance and interest rate. Making extra payments can also accelerate the payoff date. If the user can provide these loan details, I can calculate or estimate the loan payoff time accordingly using a formula or calculator. Otherwise, general guidance or loan payoff calculators can be used to estimate the date based on typical inputs. Would the user like to provide specific loan details to calculate an estimated payoff date? If so, please share the loan balance, interest rate, monthly payment, and loan term if available.