No, there is no "end of term". You just have to pay the interest every month. They can ask for the principal back at any moment though but by the nature of the loans if that happened you'd sell your stocks to make good on it. But in practice that would only happen if there is a sharp decline in the underlying assets so if you only borrow like 30% of the value then you are generally fine. Obviously there is risk involved since this involves the stock market and borrowing money.