diff --git a/src/test/app/lending/LoanMisc_test.cpp b/src/test/app/lending/LoanMisc_test.cpp
index 2cb4f38ecf..c5a7d54311 100644
--- a/src/test/app/lending/LoanMisc_test.cpp
+++ b/src/test/app/lending/LoanMisc_test.cpp
@@ -473,14 +473,21 @@ protected:
         TenthBips16 const managementFeeRate{managementFeeRateDist_(engine_)};
         auto const serviceFee = serviceFeeDist_(engine_);
         TenthBips32 interest{interestRateDist_(engine_)};
-        auto const payTotal = paymentTotalDist_(engine_);
+        auto payTotal = paymentTotalDist_(engine_);
         auto const payInterval = paymentIntervalDist_(engine_);
+        // The end of the last payment's grace period must fit in a 32-bit
+        // ripple-epoch timestamp, or LoanSet fails with tecKILLED. Cap the
+        // schedule well below that horizon (2e9 seconds is roughly 63 years,
+        // leaving ample headroom over the ledger start date).
+        constexpr std::uint32_t kMaxScheduleSeconds = 2'000'000'000;
+        payTotal = std::min(payTotal, static_cast<int>(kMaxScheduleSeconds / payInterval));
 
         BrokerParameters const brokerParams{
             .vaultDeposit = principalRequest * 10,
             .debtMax = 0,
             .coverRateMin = TenthBips32{0},
-            .managementFeeRate = managementFeeRate};
+            .managementFeeRate = managementFeeRate,
+            .coverRateLiquidation = TenthBips32{0}};
         LoanParameters const loanParams{
             .account = lender,
             .counter = borrower,