Borrowing in Chemainus 13, British Columbia

Chemainus 13 is one of the British Columbia places covered here, with 818 residents recorded in the 2021 Census and the same provincial rulebook as the rest of the province.

The British Columbia rules that apply

The regulator for consumer credit in British Columbia is the body listed by the federal Payday Lending Regulations (SOR/2024-114) provincial and territorial regulators.

In British Columbia, 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.

Communities of this size are listed here with population, land area and density, and the lending rules remain provincial.

The census figures for Chemainus 13

The 2021 Census counted 818 residents in Chemainus 13. The community covers 11.7 square kilometres of land.

That gives a density of 69.8 people per square kilometre, rounded to one decimal place.

The 2021 Census population places it at rank 287 in the province.

Chemainus 13 therefore appears at rank 287 of 460 covered British Columbia places, with a density of 69.8 people per square kilometre.

Products compared here

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

• Debt relief programs: The formal and informal routes out of unmanageable debt in Canada, and who is licensed to run them.
• Bad credit loans: Borrowing when the credit file is damaged, and what changes about price and security as a result.

How borrowing works locally

Joint applications combine two incomes and two sets of obligations in the same assessment.

A credit file is compiled by private agencies from information lenders and other creditors report. 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.

At 818 residents in the 2021 Census, Chemainus 13 is listed alongside the other covered places in British Columbia.

For Chemainus 13, the two census fields above are the only local statistics used anywhere on the page.

The density figure for Chemainus 13, 69.8 people per square kilometre, is calculated from the population and land area above.

Chemainus 13 sits at rank 287 within British Columbia in this data set, and the provincial rules apply as they do elsewhere.

Readers comparing Chemainus 13 with another community can use the same four census fields.

Chemainus 13 ranks 287 by 2021 Census population among the covered places in British Columbia.

Chemainus 13 is one of 460 covered British Columbia places, counted at 818 residents with a land area of 11.7 square kilometres.

Nothing on the Chemainus 13 page is estimated; the population and land area come from Statistics Canada's 2021 Census of Population.

The land area recorded for Chemainus 13 is 11.7 square kilometres, and the population is 818 residents in the 2021 Census.

Where a figure for Chemainus 13 could not be verified, the page names the publisher instead of printing a number.

The Chemainus 13 page follows the same structure as every other place page, with population, land area, density and rank.

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).

Compare the disclosure on any agreement against the provincial ceiling, and treat the census figures as the only local statistics on the page.