Borrowing in St. Paul, Alberta

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

The census figures for St. Paul

Statistics Canada's 2021 Census gives St. Paul a population of 5,863. 8.6 square kilometres of land are attributed to St. Paul.

That gives a density of 678.6 people per square kilometre, rounded to one decimal place.

The 2021 Census population places it at rank 80 in the province.

St. Paul therefore appears at rank 80 of 361 covered Alberta places, with a density of 678.6 people per square kilometre.

Products compared here

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

• 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.

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.

Places in the lower-middle band group smaller towns and municipalities under the same provincial framework.

How borrowing works locally

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

A lender is free to set its own price below the legal ceiling, and it does so according to the risk it reads in the file. A prepayment privilege allows a borrower to pay more than the scheduled amount, sometimes with a charge attached.

The land area recorded for St. Paul is 8.6 square kilometres, and the population is 5,863 residents in the 2021 Census.

At 5,863 residents in the 2021 Census, St. Paul is listed alongside the other covered places in Alberta.

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

St. Paul appears in the census record with 5,863 residents, and the density of 678.6 people per square kilometre follows from it.

St. Paul sits at rank 80 within Alberta in this data set, and the provincial rules apply as they do elsewhere.

St. Paul ranks 80 by 2021 Census population among the covered places in Alberta.

St. Paul is one of 361 covered Alberta places, counted at 5,863 residents with a land area of 8.6 square kilometres.

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

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

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

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

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.

The provincial rules apply wherever a borrower is in Alberta; a municipal boundary does not change them.