Personal loans in St. Joe, IN

Joe, Indiana — home to about 423 people — is a small community, so the terms you are offered follow Indiana law rather than any local rule. From the 2020 Census base to the 2023 estimate, the population rose by about 2.2%. Price two or three terms so you can see which payment is truly affordable in St. Joe. The nearest larger metro is Hicksville, OH about 7 miles away.

Borrowing in St. Joe: the local picture

What follows is St. Joe's place in the Census record, alongside the Indiana rules that govern a personal loan made here.

• Population: a Census-estimated 423, 431st among Indiana's 565 places (Vintage 2023).
• Population trend: About 2.2% above the 2020 Census base.
• People gained or lost: about 9 more since the 2020 base.
• Size percentile: St. Joe's 423 people outrank roughly 24% of the places in Indiana.
• Population density: 1,263 people per square mile on 0.3 square miles of land.
• Land area: St. Joe covers 0.3 square miles, the 441st-largest area among Indiana's 565 places.
• Share of state population: St. Joe's 423 residents are about 0.0% of Indiana.
• National rank: St. Joe sits 13,863rd by population among the 19,457 places in this dataset.
• Growth rank: St. Joe's 2020-to-2023 change ranks 93rd of 565 places in Indiana.
• State comparison: Indiana's places average +1.0% for 2020-to-2023, against St. Joe's 2.2%.
• Density rank: St. Joe is the 321st most densely settled place in Indiana.
• Against the state median: St. Joe runs about 1,263 residents per square mile, where the Indiana median is 1,375.
• Location: 41.3147 / -84.9011, per the US Census Bureau Gazetteer.
• Nearest larger cities: Hicksville (7 mi); Butler (8 mi); Grabill (8 mi); Auburn (9 mi); Leo-Cedarville (9 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller communities close by: Altona (13 mi); Corunna (15 mi); Cecil (17 mi), each with its own Census population profile.
• Smaller neighbours: 32 places smaller than St. Joe sit within 50 miles.
• Larger places within 100 miles: 412.

St. Joe on the map

Inside St. Joe's boundaries lie about 0.3 square miles of land, with no significant water area recorded. With 423 residents, the land area yields roughly 1,263 people per square mile. The state's population centre of gravity, Fort Wayne, is roughly 20 miles away. Counting outward 50 miles, 99 larger communities surround St. Joe. The 100-mile radius contains 412 larger places.

What is available to St. Joe borrowers

St. Joe is moderately settled, with about 1,263 people per square mile and 99 larger places within 50 miles. What is available to St. Joe's 423 borrowers is set by Indiana licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Hicksville, OH about 7 miles away.

Indiana consumer-lending rules applied in St. Joe

These are Indiana's sourced lending facts as they reach St. Joe's 423 residents; the state has no city-level rate rule.

What shapes a St. Joe personal loan

St. Joe is a small community of about 423 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in St. Joe. A longer term lowers the monthly payment on a St. Joe loan but raises total interest, so the smallest payment is not the cheapest loan.

St. Joe in state context

Within Indiana, St. Joe holds roughly 0.0% of all residents, the 431st-largest share among 565 places. On the 2020-to-2023 trend, St. Joe stands 93rd among Indiana's 565 places — roughly the 84th percentile. By density, at about 1,263 people per square mile, it ranks 321st in Indiana. In land area, St. Joe ranks 441st among Indiana's 565 places.