Borrowing in St. Albert, Alberta

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

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.

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.

Places in the middle band are mid-sized by Canadian standards, and the products compared here are the same provincial set.

How borrowing works locally

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

A secured product gives the lender a claim on a named asset, which is why its price is usually lower than an unsecured equivalent. Adding a co-signer puts a second file in front of the lender and adds a second person to the obligation.

The census figures for St. Albert

Population for St. Albert stands at 68,232 in the 2021 Census. The community covers 47.8 square kilometres of land.

Dividing population by land area gives 1426.3 residents per square kilometre, rounded to one decimal place.

Its provincial population rank is 8 within this data set.

St. Albert is one of 361 places listed for Alberta, ranked 8 by population and measured at 47.8 square kilometres.

Products compared here

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

• Lines of credit: A revolving limit you draw on and repay, usually paying interest only on what is outstanding.
• Home renovation loans: Paying for work on a property, from a small unsecured instalment loan to a secured renovation product.

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

The density figure for St. Albert, 1426.3 people per square kilometre, is calculated from the population and land area above.

St. Albert ranks 8 by 2021 Census population among the covered places in Alberta.

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

St. Albert is one of 361 covered Alberta places, counted at 68,232 residents with a land area of 47.8 square kilometres.

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

The land area recorded for St. Albert is 47.8 square kilometres, and the population is 68,232 residents in the 2021 Census.

St. Albert sits at rank 8 within Alberta in this data set, and the provincial rules apply as they do elsewhere.

St. Albert appears in the census record with 68,232 residents, and the density of 1426.3 people per square kilometre follows from it.

At 68,232 residents in the 2021 Census, St. Albert is listed alongside the other covered places in Alberta.

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

Where a figure for St. Albert 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.

Population and land area figures come from Statistics Canada's 2021 Census of Population; regulatory statements are attributed to the federal Payday Lending Regulations (SOR/2024-114).

Nothing here is an offer, and no page on this site can tell anyone what a lender will decide.