Borrowing in Hardisty, Alberta

Hardisty is one of the Alberta communities covered here, with a 2021 Census population of 548, and borrowing there is licensed under Alberta's consumer credit rules.

The Alberta rules that apply

The body that licenses consumer lending in Alberta is the regulator named on the federal Payday Lending Regulations (SOR/2024-114)'s list of provincial and territorial regulators.

In Alberta, payday lending operates under a licensed provincial regime, and the federal Payday Lending Regulations (SOR/2024-114) record a maximum cost of borrowing of $14 for each $100 advanced under SOR/2024-114.

The lowest band groups villages, rural municipalities and small towns, all read against the same provincial rulebook.

The census figures for Hardisty

Population for Hardisty stands at 548 in the 2021 Census. Statistics Canada lists 4.5 square kilometres of land for the community.

The arithmetic gives 121.8 people per square kilometre.

Among covered Alberta places, Hardisty sits at rank 246 by population.

Hardisty therefore appears at rank 246 of 361 covered Alberta places, with a density of 121.8 people per square kilometre.

Products compared here

Two of the 20 covered products appear below, each with the purpose the product is designed for.

• Business loans: Commercial borrowing, what lenders read in a business file, and how the assessment differs from personal credit.
• Instalment loans: A fixed number of fixed payments, sized larger and longer than a payday advance.

How borrowing works locally

Variable-rate products move with a reference rate, while fixed-rate products set the price for a defined term.

A deposit or trade-in reduces the amount financed and therefore the interest charged over the term. A lender may ask for proof of address, and a permanent address is a standard requirement for consumer credit.

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

The land area recorded for Hardisty is 4.5 square kilometres, and the population is 548 residents in the 2021 Census.

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

Hardisty appears in the census record with 548 residents, and the density of 121.8 people per square kilometre follows from it.

The density figure for Hardisty, 121.8 people per square kilometre, is calculated from the population and land area above.

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

Hardisty ranks 246 by 2021 Census population among the covered places in Alberta.

Hardisty is one of 361 covered Alberta places, counted at 548 residents with a land area of 4.5 square kilometres.

At 548 residents in the 2021 Census, Hardisty is listed alongside the other covered places in Alberta.

Hardisty sits at rank 246 within Alberta in this data set, and the provincial rules apply as they do elsewhere.

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

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.

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