Borrowing in Raymond, Alberta

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

The census figures for Raymond

The 2021 Census counted 4,199 residents in Raymond. Statistics Canada lists 7.6 square kilometres of land for the community.

That gives a density of 550.3 people per square kilometre, rounded to one decimal place.

By population it ranks 99 among the Alberta places covered here.

Compared with the other 361 covered Alberta places, Raymond ranks 99 by population.

Products compared here

The site describes 20 products in total; the two below are representative of the range.

• No credit check loans: What lenders who advertise without a credit check actually look at instead, and where the cost goes.
• Mortgage refinancing: Replacing an existing mortgage to change the rate, the term or the amount borrowed, and what it costs.

The Alberta rules that apply

Consumer lending in Alberta is licensed provincially or territorially, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators where the current position appears.

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 lender may ask for proof of address, and a permanent address is a standard requirement for consumer credit.

A secured product gives the lender a claim on a named asset, which is why its price is usually lower than an unsecured equivalent. Variable-rate products move with a reference rate, while fixed-rate products set the price for a defined term.

The land area recorded for Raymond is 7.6 square kilometres, and the population is 4,199 residents in the 2021 Census.

Raymond is one of 361 covered Alberta places, counted at 4,199 residents with a land area of 7.6 square kilometres.

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

Raymond appears in the census record with 4,199 residents, and the density of 550.3 people per square kilometre follows from it.

At 4,199 residents in the 2021 Census, Raymond is listed alongside the other covered places in Alberta.

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

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

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

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

Raymond ranks 99 by 2021 Census population among the covered places in Alberta.

The density figure for Raymond, 550.3 people per square kilometre, is calculated from the population and land area above.

Raymond sits at rank 99 within Alberta in this data set, and the provincial rules apply as they do elsewhere.

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.