Borrowing in Columbia-Shuswap D, British Columbia

Columbia-Shuswap D is one of the British Columbia communities covered here, with a 2021 Census population of 4,400, and borrowing there is licensed under British Columbia's consumer credit rules.

The census figures for Columbia-Shuswap D

Columbia-Shuswap D recorded a population of 4,400 in Statistics Canada's 2021 Census of Population. The community covers 693.7 square kilometres of land.

Population divided by land area produces a density of 6.3 people per square kilometre.

Its provincial population rank is 112 within this data set.

Columbia-Shuswap D therefore appears at rank 112 of 460 covered British Columbia places, with a density of 6.3 people per square kilometre.

The British Columbia rules that apply

Consumer credit in British Columbia is licensed by the provincial or territorial regulator, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators.

The federal Payday Lending Regulations (SOR/2024-114) list British Columbia among the provinces that regulate payday lending, where the federal Payday Lending Regulations (SOR/2024-114) cap the cost of borrowing at $14 per $100 advanced.

Small places are covered the same way as large ones: census figures for the place, and the provincial position on lending.

How borrowing works locally

Payment history is reported to credit agencies, and that record is what builds or damages a credit file over time.

A lender's assessment looks at income, existing obligations, the credit file, and the asset pledged where there is one. Debt management plans are administered by accredited credit counsellors, and they are not loans.

Products compared here

Two of the 20 covered products appear below, each with the purpose the product is designed for.

• Business lines of credit: A revolving operating limit for a business, and why it behaves differently from a term loan.
• Collateral loans: Borrowing against an asset a lender will hold, from vehicles to savings, and what happens on default.

Columbia-Shuswap D ranks 112 by 2021 Census population among the covered places in British Columbia.

The land area recorded for Columbia-Shuswap D is 693.7 square kilometres, and the population is 4,400 residents in the 2021 Census.

Where a figure for Columbia-Shuswap D could not be verified, the page names the publisher instead of printing a number.

The density figure for Columbia-Shuswap D, 6.3 people per square kilometre, is calculated from the population and land area above.

Columbia-Shuswap D sits at rank 112 within British Columbia in this data set, and the provincial rules apply as they do elsewhere.

The Columbia-Shuswap D page follows the same structure as every other place page, with population, land area, density and rank.

At 4,400 residents in the 2021 Census, Columbia-Shuswap D is listed alongside the other covered places in British Columbia.

Readers comparing Columbia-Shuswap D with another community can use the same four census fields.

For Columbia-Shuswap D, the two census fields above are the only local statistics used anywhere on the page.

Columbia-Shuswap D appears in the census record with 4,400 residents, and the density of 6.3 people per square kilometre follows from it.

Columbia-Shuswap D is one of 460 covered British Columbia places, counted at 4,400 residents with a land area of 693.7 square kilometres.

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 same structure is used for every place covered, so two communities can be compared field by field: population, land area, density, rank, and the provincial rules.