Borrowing in Kitimat-Stikine E, British Columbia

This page covers borrowing in Kitimat-Stikine E, British Columbia: the census facts, the provincial rules, and the products people compare.

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.

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.

The lowest band groups villages, rural municipalities and small towns, all read against the same provincial rulebook.

The census figures for Kitimat-Stikine E

In the 2021 Census, Kitimat-Stikine E had 3,932 residents. Its land area is 16.5 square kilometres.

Dividing population by land area gives 238.4 residents per square kilometre, rounded to one decimal place.

Its provincial population rank is 131 within this data set.

Kitimat-Stikine E therefore appears at rank 131 of 460 covered British Columbia places, with a density of 238.4 people per square kilometre.

Products compared here

These are two of the 20 products described on the site, and each has a national page as well as the provincial rules.

• Business loans: Commercial borrowing, what lenders read in a business file, and how the assessment differs from personal credit.
• Instalment loans: A fixed number of fixed payments, sized larger and longer than a payday advance.

How borrowing works locally

A deposit or trade-in reduces the amount financed and therefore the interest charged over the term.

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.

For Kitimat-Stikine E, the two census fields above are the only local statistics used anywhere on the page.

Readers comparing Kitimat-Stikine E with another community can use the same four census fields.

Nothing on the Kitimat-Stikine E page is estimated; the population and land area come from Statistics Canada's 2021 Census of Population.

At 3,932 residents in the 2021 Census, Kitimat-Stikine E is listed alongside the other covered places in British Columbia.

The land area recorded for Kitimat-Stikine E is 16.5 square kilometres, and the population is 3,932 residents in the 2021 Census.

The Kitimat-Stikine E page follows the same structure as every other place page, with population, land area, density and rank.

Kitimat-Stikine E is one of 460 covered British Columbia places, counted at 3,932 residents with a land area of 16.5 square kilometres.

Kitimat-Stikine E sits at rank 131 within British Columbia in this data set, and the provincial rules apply as they do elsewhere.

Kitimat-Stikine E ranks 131 by 2021 Census population among the covered places in British Columbia.

The density figure for Kitimat-Stikine E, 238.4 people per square kilometre, is calculated from the population and land area above.

Where a figure for Kitimat-Stikine E could not be verified, the page names the publisher instead of printing a number.

Kitimat-Stikine E appears in the census record with 3,932 residents, and the density of 238.4 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.

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.

Lending rules change, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators where the current position is confirmed.