Borrowing in Cardston, Alberta

Cardston, Alberta, recorded a population of 3,724 in the 2021 Census; the rules that govern a loan signed there are provincial.

The Alberta rules that apply

Provincial or territorial law decides who may lend in Alberta, and the Financial Consumer Agency of Canada publishes the list that names the regulator responsible.

The federal Payday Lending Regulations (SOR/2024-114) list Alberta among the provinces that regulate payday lending, where the federal Payday Lending Regulations (SOR/2024-114) cap the cost of borrowing at $14 per $100 advanced.

Small places are covered the same way as large ones: census figures for the place, and the provincial position on lending.

How borrowing works locally

A mortgage is registered against the property, which is what gives the lender its claim.

A prepayment privilege allows a borrower to pay more than the scheduled amount, sometimes with a charge attached. A lender may ask for proof of address, and a permanent address is a standard requirement for consumer credit.

The census figures for Cardston

In the 2021 Census, Cardston had 3,724 residents. The census records a land area of 8.6 square kilometres for Cardston.

The calculated density is 434.0 people per square kilometre.

The community is the 106th largest place in the province within this census set.

The place record for Cardston covers 8.6 square kilometres and 3,724 residents, a density of 434.0 people per square kilometre.

Products compared here

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

• Car loans: Financing a vehicle, including the effect of trade-in equity, negative equity and dealer-arranged credit.
• Debt consolidation loans: Replacing several expensive debts with one payment, and the arithmetic that decides whether it helps.

Cardston ranks 106 by 2021 Census population among the covered places in Alberta.

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

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

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

The land area recorded for Cardston is 8.6 square kilometres, and the population is 3,724 residents in the 2021 Census.

The density figure for Cardston, 434.0 people per square kilometre, is calculated from the population and land area above.

Cardston sits at rank 106 within Alberta in this data set, and the provincial rules apply as they do elsewhere.

Cardston is one of 361 covered Alberta places, counted at 3,724 residents with a land area of 8.6 square kilometres.

Cardston appears in the census record with 3,724 residents, and the density of 434.0 people per square kilometre follows from it.

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

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

At 3,724 residents in the 2021 Census, Cardston 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.

Statistics Canada's 2021 Census of Population supplies the population and land-area figures, and the federal Payday Lending Regulations (SOR/2024-114) supply the payday position.

Lending rules change, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators where the current position is confirmed.