St. Leon at a glance
- Population: 665 (US Census Bureau, Vintage 2023 subcounty estimate), the 369th-largest of 565 places in Indiana.
- 2020 Census base: 659 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: roughly 0.9% higher than at the 2020 Census (US Census Bureau).
- Rank among Indiana places: 369th out of 565 Census places (US Census Bureau).
- Size percentile: it is larger than about 35% of the places in Indiana (US Census Bureau).
- Coordinates: 39.2995, -84.9665 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Sunman, IN (8 mi); Brookville, IN (9 mi); Harrison, OH (10 mi); Greendale, IN (13 mi); Batesville, IN (13 mi) (US Census Bureau populations).
- Nearest smaller towns: Cedar Grove, IN (4 mi); West Harrison, IN (8 mi); Mount Carmel, IN (9 mi) — US Census Bureau populations.
What a personal loan costs in St. Leon
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Indiana lending rules that apply in St. Leon
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in St. Leon
These steps are the ones that most affect the offer you receive in St. Leon:
- 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.