Hi Jeny - think most financial institutions will look at unsecured personal lending for terms usually no longer than 7 years (I am open to correction on this).
I've just done the following calculation for you, which may be of some help ...
E15k - over 10 years at say 10% interest rate (you may be able to get a bit better than this, but it's not a bad average to use) - monthly repayments E197.
The same amount at the same rate over seven years would amount to monthly payments of E248. Difference of c. E51 per month - if that were achieveable for you it make make it easier to get a 'quicker' decision.
I've just done the following calculation for you, which may be of some help ...
E15k - over 10 years at say 10% interest rate (you may be able to get a bit better than this, but it's not a bad average to use) - monthly repayments E197.