St. Joe at a glance
- Population: roughly 423 people; 431st of 565 places in Indiana (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 414 residents here (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 2.2% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Indiana places: 431st largest of 565 (US Census Bureau).
- Size percentile: about 24% of places in Indiana are smaller (US Census Bureau).
- Coordinates: mapped at 41.3147, -84.9011 by the US Census Bureau Gazetteer.
- Nearest larger cities: Hicksville, OH (7 mi); Butler, IN (8 mi); Grabill, IN (8 mi); Auburn, IN (9 mi); Leo-Cedarville, IN (9 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Altona, IN (13 mi); Corunna, IN (15 mi); Cecil, OH (17 mi) (US Census Bureau).
What a personal loan costs in St. Joe
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Indiana lending rules that apply in St. Joe
The table carries the Indiana rate and licensing rules that apply to consumer loans made in St. Joe.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| Payday lending status | Permitted under license (small loans); finance charges capped at 15% of the first $250 (tiered above) Source says: "Finance charges on the first $250 of a small loan are limited to 15% of the principal". | Indiana Department of Financial Institutions as of 2026-09-16 |
| Small-loan / installment lender licensing | Small Loan License required (IUCCC; separate Consumer Loan License for IC 24-4.5-3 loans) Source says: "unless a person is a supervised financial organization or has first obtained a small loan license from the Department of Financial Institutions (DFI)". | Indiana Department of Financial Institutions as of 2026-09-16 |
| 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 |
How to compare offers in St. Joe
These steps are the ones that most affect the offer you receive in St. Joe:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Indiana using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.