Personal loans in St. Joseph, TN

Joseph is a small community in Tennessee, with an estimated 819 residents, and every licensed lender here follows the same state rulebook. Read the disclosure for an origination fee and any prepayment penalty before signing in St. Joseph. Every figure below is Tennessee's own, applied to St. Joseph's 819 residents, with the publisher and retrieval date attached. The closest larger city is Loretto, TN about 5 miles away.

Local context for St. Joseph

Read the local figures below as context; read the sourced Tennessee table as the rulebook a lender here must follow.

• Population: the Census counts 819 residents in St. Joseph (Vintage 2023 subcounty estimate), the 249th-largest figure among Tennessee's 344 places.
• Population trend: Roughly 3.8% more residents than the 2020 Census counted.
• People gained or lost: about 30 more since the 2020 base.
• Size percentile: about 28% of Tennessee communities are smaller than St. Joseph (819 residents).
• Population density: about 217 people per square mile across 3.8 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: St. Joseph covers 3.8 square miles, the 196th-largest area among Tennessee's 344 places.
• Share of Tennessee: St. Joseph holds about 0.0% of the state's population, some 819 people.
• National rank: St. Joseph is the 11,085th most populous of the 19,457 Census places covered here.
• Growth rank: St. Joseph's 2020-to-2023 change ranks 95th of 344 places in Tennessee.
• Against the state trend: St. Joseph's 3.8% change compares with a Tennessee average of +2.4% across its 344 places.
• Density rank: St. Joseph places 295th among Tennessee's places by people per square mile.
• Against the state median: St. Joseph runs about 217 residents per square mile, where the Tennessee median is 553.
• Location: mapped by the US Census Bureau at 35.0330, -87.5008.
• Nearest larger cities: Loretto (5 mi); Killen (12 mi); Florence (17 mi); Collinwood (17 mi); Lawrenceburg (18 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Nearest smaller places: Lexington (9 mi); St. Florian (13 mi); Anderson (15 mi).
• Smaller neighbours: 17 places smaller than St. Joseph sit within 50 miles.
• Within 100 miles: 171 places are larger than St. Joseph.

A practical checklist for St. Joseph borrowers

Complete these steps first when you borrow in St. Joseph (819 residents):

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Test your amount and term in the personal loan calculator first.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Confirm the lender holds a Tennessee licence by checking the regulator named above.
5. Read the disclosure for an origination fee and any prepayment penalty before signing.
6. Test the payment against your current bills before you commit.
7. Weigh a shorter term's higher payment against the interest it saves.

None of these steps is St. Joseph-specific: the same Tennessee licensing and disclosure rules reach all 819 residents.

Tennessee consumer-lending rules applied 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 geography behind St. Joseph

Inside St. Joseph's boundaries lie about 3.8 square miles of land, with no significant water area recorded. Spread across it are roughly 217 residents per square mile. The state's population centre of gravity, Memphis, is roughly 140 miles away. St. Joseph has 35 larger places within a 50-mile radius. The 100-mile radius contains 171 larger places.

St. Joseph against the rest of Tennessee

Set beside Tennessee's 344 places, St. Joseph ranks 249th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, St. Joseph ranks 95th of 344 in Tennessee (about the 72th percentile). Its roughly 217 residents per square mile place it 295th among Tennessee's places. In land area, St. Joseph ranks 196th among Tennessee's 344 places.

Borrowing reach in St. Joseph

St. Joseph is a lightly settled community of about 819 people, with 35 larger places inside a 50-mile radius. A Tennessee licence lets a lender serve St. Joseph without a local office, so branch density does not change what its 819 residents are offered. The nearest larger city, Loretto, TN about 5 miles away.