Borrowing in Cold Lake 149B, Alberta

This page covers borrowing in Cold Lake 149B, Alberta: the census facts, the provincial rules, and the products people compare.

How borrowing works locally

A consumer proposal or a bankruptcy is administered by a licensed insolvency trustee rather than by a lender.

Payment history is reported to credit agencies, and that record is what builds or damages a credit file over time. A shorter term raises each payment and lowers the total interest, which is the trade every schedule makes.

Products compared here

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

• Instalment loans: A fixed number of fixed payments, sized larger and longer than a payday advance.
• Secured loans: Borrowing against an asset, which lowers the price but puts the asset at risk if you default.

The census figures for Cold Lake 149B

In the 2021 Census, Cold Lake 149B had 181 residents. Land area for Cold Lake 149B is 41.6 square kilometres in the same census.

Dividing population by land area gives 4.4 residents per square kilometre, rounded to one decimal place.

Among covered Alberta places, Cold Lake 149B sits at rank 319 by population.

The place record for Cold Lake 149B covers 41.6 square kilometres and 181 residents, a density of 4.4 people per square kilometre.

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.

The federal Payday Lending Regulations (SOR/2024-114) count Alberta among the provinces with payday lending rules, where the published maximum cost of borrowing is $14 per $100 advanced under SOR/2024-114.

This is a small community by population, inside the lowest band used on this site, and the provincial framework applies without variation.

Cold Lake 149B ranks 319 by 2021 Census population among the covered places in Alberta.

Where a figure for Cold Lake 149B could not be verified, the page names the publisher instead of printing a number.

At 181 residents in the 2021 Census, Cold Lake 149B is listed alongside the other covered places in Alberta.

Cold Lake 149B sits at rank 319 within Alberta in this data set, and the provincial rules apply as they do elsewhere.

Cold Lake 149B appears in the census record with 181 residents, and the density of 4.4 people per square kilometre follows from it.

The density figure for Cold Lake 149B, 4.4 people per square kilometre, is calculated from the population and land area above.

The Cold Lake 149B page follows the same structure as every other place page, with population, land area, density and rank.

Readers comparing Cold Lake 149B with another community can use the same four census fields.

For Cold Lake 149B, the two census fields above are the only local statistics used anywhere on the page.

Cold Lake 149B is one of 361 covered Alberta places, counted at 181 residents with a land area of 41.6 square kilometres.

Nothing on the Cold Lake 149B page is estimated; the population and land area come from Statistics Canada's 2021 Census of Population.

The land area recorded for Cold Lake 149B is 41.6 square kilometres, and the population is 181 residents in the 2021 Census.

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.

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