Borrowing in Birchcliff, Alberta

A loan taken out in Birchcliff is governed by Alberta's licensing rules, and the 2021 Census counted 211 people in the community.

The census figures for Birchcliff

In the 2021 Census, Birchcliff had 211 residents. Its land area is 1.0 square kilometres.

The calculated density is 217.5 people per square kilometre.

By population it ranks 311 among the Alberta places covered here.

Compared with the other 361 covered Alberta places, Birchcliff ranks 311 by population.

The Alberta rules that apply

The regulator for consumer credit in Alberta is the body listed by the federal Payday Lending Regulations (SOR/2024-114) provincial and territorial regulators.

A payday advance in Alberta falls under a provincial licensing regime, and the cost of borrowing is capped at $14 per $100 advanced according to the federal Payday Lending Regulations (SOR/2024-114).

Places in the smallest population band are grouped here as small communities, and the pages carry the same census fields and the same provincial rules as the largest city.

How borrowing works locally

A longer amortisation lowers each payment and raises the total interest paid over the life of the loan.

A shorter term raises each payment and lowers the total interest, which is the trade every schedule makes. A lender is free to set its own price below the legal ceiling, and it does so according to the risk it reads in the file.

Products compared here

Each product below has its own page, and the Alberta position applies to all of them.

• Debt relief programs: The formal and informal routes out of unmanageable debt in Canada, and who is licensed to run them.
• Bad credit loans: Borrowing when the credit file is damaged, and what changes about price and security as a result.

The land area recorded for Birchcliff is 1.0 square kilometres, and the population is 211 residents in the 2021 Census.

Birchcliff is one of 361 covered Alberta places, counted at 211 residents with a land area of 1.0 square kilometres.

The Birchcliff page follows the same structure as every other place page, with population, land area, density and rank.

Where a figure for Birchcliff could not be verified, the page names the publisher instead of printing a number.

Birchcliff sits at rank 311 within Alberta in this data set, and the provincial rules apply as they do elsewhere.

The density figure for Birchcliff, 217.5 people per square kilometre, is calculated from the population and land area above.

For Birchcliff, the two census fields above are the only local statistics used anywhere on the page.

Readers comparing Birchcliff with another community can use the same four census fields.

Nothing on the Birchcliff page is estimated; the population and land area come from Statistics Canada's 2021 Census of Population.

Birchcliff appears in the census record with 211 residents, and the density of 217.5 people per square kilometre follows from it.

Birchcliff ranks 311 by 2021 Census population among the covered places in Alberta.

At 211 residents in the 2021 Census, Birchcliff is listed alongside the other covered places in Alberta.

loanmoose.ca is not a lender and does not make credit decisions. The lowest rates are only available to the most qualified applicants.

The 2021 Census of Population published by Statistics Canada is the source for population and land area; the federal Payday Lending Regulations (SOR/2024-114) are the source for payday rules.

The same structure is used for every place covered, so two communities can be compared field by field: population, land area, density, rank, and the provincial rules.