Borrowing in Janvier 194, Alberta

This page covers borrowing in Janvier 194, Alberta: the census facts, the provincial rules, and the products people compare.

Products compared here

The product pages behind this city cover the following borrowing categories, among the 20 products compared nationally.

• Unsecured loans: Borrowing with no asset pledged, priced for the risk the lender is taking on your file alone.
• Business loans: Commercial borrowing, what lenders read in a business file, and how the assessment differs from personal credit.

How borrowing works locally

A broker arranges credit but does not lend, and the lender remains the party that makes the decision.

A lender may ask for proof of address, and a permanent address is a standard requirement for consumer credit. A lender's assessment looks at income, existing obligations, the credit file, and the asset pledged where there is one.

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.

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 Janvier 194

In the 2021 Census, Janvier 194 had 360 residents. 26.1 square kilometres of land are attributed to Janvier 194.

That gives a density of 13.8 people per square kilometre, rounded to one decimal place.

Among covered Alberta places, Janvier 194 sits at rank 272 by population.

Within Alberta, Janvier 194 is place number 272 by population in this census set, at 360 residents.

Janvier 194 is one of 361 covered Alberta places, counted at 360 residents with a land area of 26.1 square kilometres.

The density figure for Janvier 194, 13.8 people per square kilometre, is calculated from the population and land area above.

Janvier 194 appears in the census record with 360 residents, and the density of 13.8 people per square kilometre follows from it.

Janvier 194 ranks 272 by 2021 Census population among the covered places in Alberta.

For Janvier 194, the two census fields above are the only local statistics used anywhere on the page.

Janvier 194 sits at rank 272 within Alberta in this data set, and the provincial rules apply as they do elsewhere.

The Janvier 194 page follows the same structure as every other place page, with population, land area, density and rank.

Where a figure for Janvier 194 could not be verified, the page names the publisher instead of printing a number.

Readers comparing Janvier 194 with another community can use the same four census fields.

At 360 residents in the 2021 Census, Janvier 194 is listed alongside the other covered places in Alberta.

The land area recorded for Janvier 194 is 26.1 square kilometres, and the population is 360 residents in the 2021 Census.

Nothing on the Janvier 194 page is estimated; the population and land area come from Statistics Canada's 2021 Census of Population.

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.

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