LendingPoint Personal Loan — FinWise Bank / Coastal Community Bank / LendingPoint (one of several lenders) is a personal loan from FinWise Bank / Coastal Community Bank / LendingPoint (one of several lenders). The ongoing APR is 7.99%-35.99%. Typical credit limit: $1,000-$36,500 (minimums GA $3,500, CO $3,001, HI $2,000). Loan terms: 24-72 months. Soft-pull pre-qualification is available — no hard inquiry to check approval odds.