Personal loans in St. Paul, IA

The Census counts 105 people in St. Paul, the 813th-largest figure among Iowa's 940 places. If debt is already a strain, a nonprofit credit counsellor can help St. Paul residents before they take on more. For the 105 people in St. Paul, Iowa runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The nearest larger metro is West Point, IA about 5 miles away.

Local context for St. Paul

St. Paul is a small community; the notes below cover its population profile and the statewide rules that apply.

• Population: a Census-estimated 105, 813th among Iowa's 940 places (Vintage 2023).
• Population trend: Down about 2.8% from the 2020 Census base to the 2023 estimate.
• Change in people: the 2020-to-2023 comparison is a loss of about 3 residents.
• Size percentile: bigger than about 14% of the places in Iowa, with 105 residents in St. Paul.
• Density: roughly 276 residents per square mile, spread over 0.4 sq mi of land.
• By land area: St. Paul ranks 732nd among Iowa's 940 places, at 0.4 sq mi.
• Share of Iowa: St. Paul holds about 0.0% of the state's population, some 105 people.
• National standing: St. Paul ranks 18,053rd of 19,457 US places.
• Growth rank: St. Paul's 2020-to-2023 change ranks 779th of 940 places in Iowa.
• State comparison: Iowa's places average -0.7% for 2020-to-2023, against St. Paul's 2.8%.
• Density rank: St. Paul places 754th among Iowa's places by people per square mile.
• Against the state median: St. Paul runs about 276 residents per square mile, where the Iowa median is 672.
• Location: coordinates 40.7678, -91.5164 (US Census Bureau Gazetteer).
• Nearest larger cities: West Point (5 mi); Houghton (5 mi); Franklin (7 mi); Salem (8 mi); Donnellson (9 mi). Online lenders reach St. Paul no matter how far the nearest branch is.
• Nearest smaller places: Westwood (15 mi); Pontoosuc (19 mi); Revere (21 mi).
• Within a 50-mile radius: 18 smaller Census places.
• At 100 miles: 435 larger Census places fall inside that radius.

What Iowa law requires in St. Paul

Read the table as a lender's compliance picture for St. Paul: the rule, the sourced figure, the publisher and the date.

St. Paul on the map

St. Paul's land area is roughly 0.4 square miles, and the Gazetteer records no significant water area within it. With 105 residents, the land area yields roughly 276 people per square mile. For the state's biggest city, Des Moines, the distance is roughly 122 miles. St. Paul has 106 larger places within a 50-mile radius. The 100-mile radius contains 435 larger places.

St. Paul against the rest of Iowa

Set beside Iowa's 940 places, St. Paul ranks 813th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, St. Paul ranks 779th of 940 in Iowa (about the 17th percentile). By density, at about 276 people per square mile, it ranks 754th in Iowa. The population moved by about 3 people between 2020 and 2023, a 2.8% shift.

How personal loans work in St. Paul

St. Paul is a small community of about 105 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving St. Paul's 105 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a St. Paul loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

A practical checklist for St. Paul borrowers

Before you hand your details to a lender in St. Paul, where the population is near 105:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Check the Iowa regulator's records to confirm the lender is licensed here.
5. Be clear on what the loan is for and how it gets repaid.
6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
7. Check the disclosure for fees that raise the true cost above the quoted rate.

The process is identical across Iowa; what changes is your credit file, not the fact that St. Paul holds 105 people.