Personal loans in St. Joseph, LA

The Census estimates 762 residents in St. Joseph, which ranks it 176th of 302 places in Louisiana. To lend to St. Joseph's 762 residents, a company must hold a Louisiana licence, and each sourced row below names the regulator behind it. The 2020 count to the 2023 estimate shows about 8.5% decline in St. Joseph. A larger market lies at Newellton, LA about 11 miles away.

What the Census records for St. Joseph

Most of what governs a St. Joseph loan is written in Louisiana law rather than in the city; the sourced notes below make that split concrete.

• Population: about 762, ranked 176th of 302 places in Louisiana (Census Vintage 2023 subcounty estimate).
• Population trend: Lower by roughly 8.5% since the 2020 count.
• Change in people: the 2020-to-2023 comparison is a loss of about 71 residents.
• Size percentile: about 42% of Louisiana communities are smaller than St. Joseph (762 residents).
• Density: roughly 856 residents per square mile, spread over 0.9 sq mi of land.
• By land area: St. Joseph ranks 273rd among Louisiana's 302 places, at 0.9 sq mi.
• Within Louisiana: about 0.0% of the state's population lives in St. Joseph.
• Nationally: St. Joseph is the 11,399th-largest of 19,457 Census places in the dataset.
• Growth in Louisiana: St. Joseph stands 296th by percentage change from 2020 to 2023, among 302 places.
• Against the state trend: St. Joseph's 8.5% change compares with a Louisiana average of -2.1% across its 302 places.
• Density in Louisiana: St. Joseph ranks 101st by people per square mile.
• Against the state median: St. Joseph runs about 856 residents per square mile, where the Louisiana median is 534.
• Location: 31.9203, -91.2400 (Census Gazetteer coordinates).
• Nearest larger cities: Newellton (11 mi); Port Gibson (15 mi); Fayette (18 mi); Vidalia (27 mi); Ferriday (27 mi). Larger metros often have more branches, but online lenders reach St. Joseph on the same terms.
• Smaller communities close by: Waterproof (12 mi); Clayton (22 mi); Wisner (25 mi), each with its own Census population profile.
• Within a 50-mile radius: 18 smaller Census places.
• Within 100 miles: 102 places are larger than St. Joseph.

St. Joseph on the map

St. Joseph covers about 0.9 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 762 residents, the land area yields roughly 856 people per square mile. New Orleans, the largest place in Louisiana, is about 150 miles from St. Joseph. Within 50 miles of St. Joseph there are 15 larger Census places. By land area it ranks 273rd of 302 Louisiana places.

St. Joseph against the rest of Louisiana

Against Louisiana's other places, St. Joseph accounts for about 0.0% of the state's population and ranks 176th of 302 by size. Its 2020-to-2023 change ranks 296th of 302 Louisiana places, putting it near the 2th percentile for growth. By density, at about 856 people per square mile, it ranks 101st in Louisiana. The population moved by about 71 people between 2020 and 2023, a 8.5% shift.

The anatomy of a St. Joseph personal loan

In St. Joseph, a small community of about 762, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving St. Joseph's 762 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a St. Joseph loan is knowable in advance — unlike a revolving card balance.

The St. Joseph borrowing checklist

Before you apply in St. Joseph, a community of about 762, work through these steps:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Check the Louisiana regulator's records to confirm the lender is licensed here.
5. Look for an origination fee or prepayment penalty in the written disclosure.
6. Make sure the new payment leaves room in a budget you already keep.
7. Pick the shortest term whose payment you can comfortably afford.

None of these steps is St. Joseph-specific: the same Louisiana licensing and disclosure rules reach all 762 residents.

How Louisiana law applies in St. Joseph

For the roughly 762 residents of St. Joseph, the rules below are Louisiana's own; each row carries its publisher and retrieval date.