St. Joseph at a glance
- Population: a Census-estimated 819, placing it 249th among Tennessee's 344 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 789 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: an increase of about 3.8% since the 2020 count (US Census Bureau).
- Rank among Tennessee places: 249th out of 344 Census places (US Census Bureau).
- Size percentile: ahead of around 28% of Tennessee places in population terms (US Census Bureau).
- Coordinates: 35.0330, -87.5008 (US Census Bureau Gazetteer).
- Nearest larger cities: Loretto, TN (5 mi); Killen, AL (12 mi); Florence, AL (17 mi); Collinwood, TN (17 mi); Lawrenceburg, TN (18 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Lexington, AL (9 mi); St. Florian, AL (13 mi); Anderson, AL (15 mi) (US Census Bureau).
What a personal loan costs in St. Joseph
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Tennessee lending rules that apply in St. Joseph
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| Payday lending status | Licensed; deferred presentment services (payday) lenders must obtain a TDFI license, including internet lenders (Tenn. Code Ann. § 45-17-103) Source says: deferred presentment services in this state through the use of the internet, facsimile, telephone, or other means without having first obtained a license | Tennessee Department of Financial Institutions (TDFI) as of 2026-09-16 |
| Small-loan / installment lender licensing | TDFI Compliance Division licenses industrial loan & thrift companies, deferred presentment companies, flexible credit companies, and other consumer lenders Source says: The Compliance Division is responsible for the licensing and regulatory supervision of the following types of financial institutions operating in Tennessee | Tennessee Department of Financial Institutions (TDFI) as of 2026-09-16 |
| State lending regulator | Tennessee Department of Financial Institutions (TDFI) Source says: The Department regulates banks, credit unions, trust companies, business and industrial development corporations, industrial loan and thrift companies | Tennessee Department of Financial Institutions (TDFI) as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 10.75% per annum (maximum effective formula rate for written contracts, announced September 15, 2026) Source says: the maximum effective formula rate of interest in Tennessee is 10.75 percent per annum | Tennessee Department of Financial Institutions (TDFI) as of 2026-09-16 |
How to compare offers in St. Joseph
Run through this list before signing anything in St. Joseph:
- 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 Tennessee using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.