Borrowing in Fort St. James, British Columbia

A loan taken out in Fort St. James is governed by British Columbia's licensing rules, and the 2021 Census counted 1,386 people in the community.

Products compared here

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

• No credit check loans: What lenders who advertise without a credit check actually look at instead, and where the cost goes.
• Mortgage refinancing: Replacing an existing mortgage to change the rate, the term or the amount borrowed, and what it costs.

How borrowing works locally

An application usually asks for identification, income evidence, banking details and a statement of obligations.

Disclosure requirements mean the cost of borrowing must be stated before an agreement is signed. 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.

The British Columbia rules that apply

Provincial or territorial law decides who may lend in British Columbia, and the Financial Consumer Agency of Canada publishes the list that names the regulator responsible.

Payday lending is licensed in British Columbia; the federal Payday Lending Regulations (SOR/2024-114) publish a cap of $14 per $100 advanced, and notes that a province may set a lower figure.

This is a small community by population, inside the lowest band used on this site, and the provincial framework applies without variation.

The census figures for Fort St. James

Fort St. James recorded a population of 1,386 in Statistics Canada's 2021 Census of Population. The community covers 23.4 square kilometres of land.

Population divided by land area produces a density of 59.1 people per square kilometre.

Among covered British Columbia places, Fort St. James sits at rank 253 by population.

The place record for Fort St. James covers 23.4 square kilometres and 1,386 residents, a density of 59.1 people per square kilometre.

Fort St. James sits at rank 253 within British Columbia in this data set, and the provincial rules apply as they do elsewhere.

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

The density figure for Fort St. James, 59.1 people per square kilometre, is calculated from the population and land area above.

Fort St. James is one of 460 covered British Columbia places, counted at 1,386 residents with a land area of 23.4 square kilometres.

Fort St. James ranks 253 by 2021 Census population among the covered places in British Columbia.

Fort St. James appears in the census record with 1,386 residents, and the density of 59.1 people per square kilometre follows from it.

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

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

The land area recorded for Fort St. James is 23.4 square kilometres, and the population is 1,386 residents in the 2021 Census.

At 1,386 residents in the 2021 Census, Fort St. James is listed alongside the other covered places in British Columbia.

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

loanmoose.ca is not a lender and does not make credit decisions. The lowest rates are only available to the most qualified applicants.

Statistics Canada's 2021 Census of Population supplies the population and land-area figures, and the federal Payday Lending Regulations (SOR/2024-114) supply the payday position.

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