Personal loans in St. Paul, IN
St. Paul, Indiana — home to about 960 people — is a small community, so the terms you are offered follow Indiana law rather than any local rule. The 2020 count to the 2023 estimate shows about 0.2% decline in St. Paul.
The Census estimates 960 residents in St. Paul, which ranks it 306th of 565 places in Indiana. Price two or three terms so you can see which payment is truly affordable in St. Paul. Which products a lender may offer to St. Paul's 960 residents follows from the Indiana consumer-lending framework. The nearest larger city is Greensburg, IN about 9 miles away.
St. Paul: population, trend and location
The figures below are St. Paul's own — Census population, land area and coordinates — followed by the Indiana rules.
- Population: a Census-estimated 960, 306th among Indiana's 565 places (Vintage 2023).
- Population trend: A loss of roughly 0.2% between 2020 and 2023.
- Change in people: the 2020-to-2023 comparison is a loss of about 2 residents.
- Size percentile: roughly 46% of Indiana places rank below St. Paul.
- Population density: about 3,276 people per square mile (Census land area 0.3 sq mi).
- Land area rank: St. Paul's 0.3 square miles rank 458th of 565 places in Indiana.
- Share of Indiana: St. Paul holds about 0.0% of the state's population, some 960 people.
- National rank: St. Paul is the 10,400th most populous of the 19,457 Census places covered here.
- Growth in Indiana: St. Paul stands 329th by percentage change from 2020 to 2023, among 565 places.
- Against the state trend: St. Paul's 0.2% change compares with a Indiana average of +1.0% across its 565 places.
- Density rank: St. Paul places 8th among Indiana's places by people per square mile.
- Against the state median: St. Paul runs about 3,276 residents per square mile, where the Indiana median is 1,375.
- Location: it lies at 39.4282, -85.6287 in the Census Gazetteer.
- Nearest larger cities: Greensburg (9 mi); Shelbyville (11 mi); Hope (12 mi); Rushville (16 mi); Westport (18 mi). Larger metros often have more branches, but online lenders reach St. Paul on the same terms.
- Nearest smaller towns: Hartsville (12 mi); Clifford (16 mi); Fairland (17 mi).
- Smaller places within 50 miles: 60 of them.
- Within 100 miles: 357 places are larger than St. Paul.
How lenders reach St. Paul
St. Paul is fairly dense, with about 3,276 people per square mile and 72 larger places within 50 miles. Lenders licensed in Indiana reach St. Paul's 960 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Greensburg, IN about 9 miles away.
How a St. Paul personal loan is priced
A St. Paul personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 960 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in St. Paul. A longer term lowers the monthly payment on a St. Paul loan but raises total interest, so the smallest payment is not the cheapest loan.
How St. Paul compares across Indiana
Among Indiana's 565 places, St. Paul sits at 306th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, St. Paul ranks 329th of 565 in Indiana (about the 42th percentile). At about 3,276 people per square mile, St. Paul is the 8th most densely settled place in Indiana. Within 50 miles sit 60 smaller Census places, alongside the 72 that are larger.
The geography behind St. Paul
Inside St. Paul's boundaries lie about 0.3 square miles of land, with no significant water area recorded. Spread across it are roughly 3,276 residents per square mile. The state's population centre of gravity, Fort Wayne, is roughly 118 miles away. A 50-mile radius around St. Paul takes in 72 places that are larger. By land area it ranks 458th of 565 Indiana places.
What Indiana law requires in St. Paul
The rows below set out what a licensed lender must follow in Indiana, and so for St. Paul's roughly 960 residents.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Indiana Department of Financial Institutions (DFI), Consumer Credit Division Source says: "The industries regulated by the Consumer Credit Division are: non-depository small loan ("payday") lenders; traditional installment lenders". | Indiana Department of Financial Institutions as of 2026-09-16 |
| Small-loan size limit | $825 maximum aggregate small-loan principal per borrower Source says: "Lenders cannot have loans ... outstanding with you at any one time if the aggregate principal amount/amount financed exceeds $825". | Indiana Department of Financial Institutions as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | See the latest published figure value_text left null: Indiana Code IC 24-4.5-3-508 sets tiered maximum loan finance charges for supervised loans; the official code site renders client-side and the figure could not be confirmed from a fetched page, so no figure is asserted. | Indiana General Assembly (Indiana Code) as of 2026-09-16 |
Common questions
What are my options in St. Paul if my credit is poor?
What loan size can I expect in St. Paul?
Do I have to pledge anything to borrow in St. Paul?
Does comparing loans in St. Paul cost me credit score points?
Nearby places
- Greensburg, IN — population 12,363
- Hartsville, IN — population 320
- Hope, IN — population 2,144
- Shelbyville, IN — population 20,609
- Westport, IN — population 1,385
- Rushville, IN — population 6,191
- Clifford, IN — population 212
- Fairland, IN — population 535