Why it matters when you are writing
The threshold is style-specific, and getting it wrong is one of the most common formatting errors in a submitted manuscript. APA 7 uses “et al.” from the very first citation whenever a work has three or more authors. MLA 9 uses it for three or more. Chicago author–date names up to three and switches at four. Whichever applies, the reference list still spells out the authors in full, up to that style’s own cutoff.
The abbreviation is plural, so the verb agrees with it: “Okonkwo et al. argue,” not “argues.” It also belongs only in the citation, not in your prose — write “Okonkwo and colleagues found” if you want the names in the sentence itself. And it never appears in a two-author citation, where both names are always given.
One edge case is worth knowing before a reviewer finds it. If shortening two different sources produces the identical form — say two 2021 papers that both reduce to “Okonkwo et al., 2021” — APA asks you to name as many authors as it takes to tell them apart, then add “et al.” The point of the abbreviation is brevity, but never at the cost of ambiguity.