Personal loans in St. Joseph, MN

St. Joseph: population, trend and location

Two layers matter for a St. Joseph borrower: the local population picture and Minnesota's consumer-lending statutes.

• Population: 6,788 residents; St. Joseph is the 133rd-largest of 853 places in Minnesota (US Census Bureau, Vintage 2023).
• Population trend: Lower by roughly 3.4% since the 2020 count.
• Net change: roughly 237 fewer people than the 2020 Census counted.
• Size percentile: roughly 84% of Minnesota's places have fewer residents than St. Joseph's 6,788.
• Population density: about 731 people per square mile across 9.3 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area rank: St. Joseph's 9.3 square miles rank 115th of 853 places in Minnesota.
• Water area: St. Joseph has 0.02 square miles of water, ranking 362nd of 853 places in Minnesota.
• State population share: St. Joseph accounts for about 0.1% of everyone in Minnesota.
• National standing: St. Joseph ranks 4,064th of 19,457 US places.
• Growth rank: St. Joseph's 2020-to-2023 change ranks 778th of 853 places in Minnesota.
• Against the state trend: St. Joseph's 3.4% change compares with a Minnesota average of +0.1% across its 853 places.
• Density in Minnesota: St. Joseph ranks 380th by people per square mile.
• Density vs Minnesota: St. Joseph's 731 people per square mile compare with a state median of 607.
• Location: 45.5651, -94.3021 (Census Gazetteer coordinates).
• Nearest larger cities: Waite Park (4 mi); Sartell (6 mi); St. Cloud (7 mi); Sauk Rapids (8 mi); Little Falls (29 mi). A branch is convenient; it is not what sets your APR.
• Nearest smaller towns: Rockville (7 mi); Avon (8 mi); St. Stephen (9 mi) — useful context for the surrounding area.
• Smaller places within 50 miles: 98 of them.
• Larger places within 100 miles: 109.

What shapes a St. Joseph personal loan

With roughly 6,788 residents, St. Joseph is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a St. Joseph loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a St. Joseph loan is knowable in advance — unlike a revolving card balance.

Which Minnesota laws govern a loan in St. Joseph

Read the table as a lender's compliance picture for St. Joseph: the rule, the sourced figure, the publisher and the date.

The St. Joseph borrowing checklist

Before you hand your details to a lender in St. Joseph, where the population is near 6,788:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Model the payment on the calculator before a lender models it for you.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Check the Minnesota regulator's records to confirm the lender is licensed here.
5. Look for an origination fee or prepayment penalty in the written disclosure.
6. Test the payment against your current bills before you commit.
7. Weigh a shorter term's higher payment against the interest it saves.

What differs between St. Joseph and the rest of Minnesota is not the process but the borrower's own file, among the 6,788 people here.

St. Joseph against the rest of Minnesota

Set beside Minnesota's 853 places, St. Joseph ranks 133rd by population and holds about 0.1% of the state total. On the 2020-to-2023 trend, St. Joseph stands 778th among Minnesota's 853 places — roughly the 9th percentile. At about 731 people per square mile, St. Joseph is the 380th most densely settled place in Minnesota. By land area, its 9.3 square miles rank 115th of 853 places in Minnesota.

Where St. Joseph sits

Inside St. Joseph's boundaries lie roughly 9.3 square miles of land and 0.02 square miles of water. The resulting density is about 731 people per square mile. The largest place in Minnesota, Minneapolis, lies about 65 miles away. Within 50 miles of St. Joseph there are 21 larger Census places. By land area it ranks 115th of 853 Minnesota places.