Personal loans in St. Joseph, MO

For a community of about 70,634, the practical step is to compare APR across at least three lenders before committing. Lenders active in St. Joseph report to a Missouri supervisor, identified in the sourced rows below. Population in St. Joseph dropped about 2.5% over the three years from 2020 to 2023. The closest larger city is Kansas City, KS about 44 miles away.

Borrowing in St. Joseph: the local picture

Set out below is St. Joseph's local context next to the state-level rules that reach every lender here.

• Population: the Census counts 70,634 residents in St. Joseph (Vintage 2023 subcounty estimate), the 9th-largest figure among Missouri's 937 places.
• Population trend: The 2020-to-2023 change is negative, near 2.5%.
• Absolute change: 1,843 residents lost between 2020 and 2023.
• Size percentile: about 99% of Missouri's Census places are smaller than St. Joseph.
• Land and density: 44.0 square miles of land carry roughly 1,604 residents per square mile.
• By land area: St. Joseph ranks 8th among Missouri's 937 places, at 44.0 sq mi.
• Water: St. Joseph holds about 0.79 square miles, the 13th-largest water area in Missouri.
• Share of state population: St. Joseph's 70,634 residents are about 1.7% of Missouri.
• Nationally: St. Joseph is the 530th-largest of 19,457 Census places in the dataset.
• Growth rank: St. Joseph ranks 813th among Missouri's 937 places for the 2020-to-2023 change.
• Against the state trend: St. Joseph's 2.5% change compares with a Missouri average of +0.8% across its 937 places.
• Density rank: St. Joseph places 122nd among Missouri's places by people per square mile.
• Density in context: St. Joseph's 1,604 people per square mile sit against a Missouri median of 743.
• Location: mapped by the US Census Bureau at 39.7595, -94.8211.
• Nearest larger cities: Kansas City (44 mi); Kansas City (46 mi); Independence (53 mi); Lawrence (60 mi); Overland Park (61 mi). Online lenders reach St. Joseph no matter how far the nearest branch is.
• Smaller communities within reach: Elwood (4 mi); Wathena (6 mi); Country Club (6 mi).
• Smaller neighbours: 152 places smaller than St. Joseph sit within 50 miles.
• Larger places within 100 miles: 8.

St. Joseph: area, density and distance

The Census Gazetteer records 44.0 square miles of land and 0.79 square miles of water within St. Joseph. The resulting density is about 1,604 people per square mile. Kansas City, the largest place in Missouri, is about 46 miles from St. Joseph. Within 50 miles of St. Joseph there are 2 larger Census places. The 100-mile radius contains 8 larger places.

How lenders reach St. Joseph

St. Joseph is a moderately settled community of about 70,634 people, with 2 larger places inside a 50-mile radius. What is available to St. Joseph's 70,634 borrowers is set by Missouri licensing and your own credit, not by how many branches are nearby. The nearest larger city, Kansas City, KS about 44 miles away.

Inside a St. Joseph personal loan

Most loans made to St. Joseph's 70,634 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a St. Joseph lender to disclose the APR and finance charge before you sign. Shortening the term on a St. Joseph loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

St. Joseph against the rest of Missouri

Among Missouri's 937 places, St. Joseph sits at 9th for population, a share of roughly 1.7% of the state. For population change between 2020 and 2023, St. Joseph ranks 813th of 937 in Missouri (about the 13th percentile). At about 1,604 people per square mile, St. Joseph is the 122nd most densely settled place in Missouri. Between 2020 and 2023 the count changed by roughly 1,843 residents.

The state rulebook for St. Joseph

Every row below records a Missouri rule, its publisher and its retrieval date — the same rules a St. Joseph lender must follow.