Borrowing in Osoyoos 1, British Columbia

With 1,426 residents counted in the 2021 Census, Osoyoos 1 sits inside British Columbia's provincial lending framework.

Products compared here

Among the 20 products compared here, these two are commonly used for the purposes described.

• 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.

How borrowing works locally

A revolving product charges interest on the outstanding balance, while an instalment product charges a fixed schedule of payments.

Payment history is reported to credit agencies, and that record is what builds or damages a credit file over time. Debt management plans are administered by accredited credit counsellors, and they are not loans.

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.

The federal payday lending regulations, SOR/2024-114, cap the cost of borrowing at $14 per $100 advanced in British Columbia, which the federal Payday Lending Regulations (SOR/2024-114) list as a province that regulates the product.

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

The census figures for Osoyoos 1

In the 2021 Census, Osoyoos 1 had 1,426 residents. The census records a land area of 130.3 square kilometres for Osoyoos 1.

Population divided by land area produces a density of 10.9 people per square kilometre.

The 2021 Census population places it at rank 247 in the province.

Compared with the other 460 covered British Columbia places, Osoyoos 1 ranks 247 by population.

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

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

The land area recorded for Osoyoos 1 is 130.3 square kilometres, and the population is 1,426 residents in the 2021 Census.

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

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

Osoyoos 1 is one of 460 covered British Columbia places, counted at 1,426 residents with a land area of 130.3 square kilometres.

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

At 1,426 residents in the 2021 Census, Osoyoos 1 is listed alongside the other covered places in British Columbia.

Osoyoos 1 appears in the census record with 1,426 residents, and the density of 10.9 people per square kilometre follows from it.

Osoyoos 1 ranks 247 by 2021 Census population among the covered places in British Columbia.

Osoyoos 1 sits at rank 247 within British Columbia in this data set, and the provincial rules apply as they do elsewhere.

The density figure for Osoyoos 1, 10.9 people per square kilometre, is calculated from the population and land area above.

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.

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