Borrowing in Coldwater 1, British Columbia

A loan taken out in Coldwater 1 is governed by British Columbia's licensing rules, and the 2021 Census counted 350 people in the community.

How borrowing works locally

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

A provincial regulator publishes licensing requirements, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators. A broker arranges credit but does not lend, and the lender remains the party that makes the decision.

Products compared here

Each product below has its own page, and the British Columbia 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 census figures for Coldwater 1

In the 2021 Census, Coldwater 1 had 350 residents. Its land area is 18.4 square kilometres.

The arithmetic gives 19.1 people per square kilometre.

The 2021 Census population places it at rank 354 in the province.

Coldwater 1 sits at rank 354 among the 460 British Columbia places here, with 350 residents in the 2021 Census.

The British Columbia rules that apply

The body that licenses consumer lending in British Columbia is the regulator named on the federal Payday Lending Regulations (SOR/2024-114)'s list of provincial and territorial regulators.

A payday advance in British Columbia 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.

Readers comparing Coldwater 1 with another community can use the same four census fields.

Coldwater 1 ranks 354 by 2021 Census population among the covered places in British Columbia.

Nothing on the Coldwater 1 page is estimated; the population and land area come from Statistics Canada's 2021 Census of Population.

The density figure for Coldwater 1, 19.1 people per square kilometre, is calculated from the population and land area above.

Coldwater 1 is one of 460 covered British Columbia places, counted at 350 residents with a land area of 18.4 square kilometres.

The Coldwater 1 page follows the same structure as every other place page, with population, land area, density and rank.

The land area recorded for Coldwater 1 is 18.4 square kilometres, and the population is 350 residents in the 2021 Census.

Where a figure for Coldwater 1 could not be verified, the page names the publisher instead of printing a number.

For Coldwater 1, the two census fields above are the only local statistics used anywhere on the page.

At 350 residents in the 2021 Census, Coldwater 1 is listed alongside the other covered places in British Columbia.

Coldwater 1 sits at rank 354 within British Columbia in this data set, and the provincial rules apply as they do elsewhere.

Coldwater 1 appears in the census record with 350 residents, and the density of 19.1 people per square kilometre follows from it.

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.