Borrowing in Port Hardy, British Columbia

Port Hardy is one of the British Columbia communities covered here, with a 2021 Census population of 3,902, and borrowing there is licensed under British Columbia's consumer credit rules.

The census figures for Port Hardy

In the 2021 Census, Port Hardy had 3,902 residents. Statistics Canada lists 38.5 square kilometres of land for the community.

Dividing population by land area gives 101.2 residents per square kilometre, rounded to one decimal place.

Its provincial population rank is 134 within this data set.

Within British Columbia, Port Hardy is place number 134 by population in this census set, at 3,902 residents.

Products compared here

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

• 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 British Columbia rules that apply

Licensing for consumer credit in British Columbia sits with the province or territory, and the Financial Consumer Agency of Canada maintains the public 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).

Communities of this size are listed here with population, land area and density, and the lending rules remain provincial.

How borrowing works locally

Interest on a line of credit accrues only on the drawn portion, not on the unused limit.

Debt management plans are administered by accredited credit counsellors, and they are not loans. A revolving product charges interest on the outstanding balance, while an instalment product charges a fixed schedule of payments.

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

At 3,902 residents in the 2021 Census, Port Hardy is listed alongside the other covered places in British Columbia.

Port Hardy sits at rank 134 within British Columbia in this data set, and the provincial rules apply as they do elsewhere.

Port Hardy ranks 134 by 2021 Census population among the covered places in British Columbia.

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

The land area recorded for Port Hardy is 38.5 square kilometres, and the population is 3,902 residents in the 2021 Census.

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

Readers comparing Port Hardy with another community can use the same four census fields.

Port Hardy is one of 460 covered British Columbia places, counted at 3,902 residents with a land area of 38.5 square kilometres.

The density figure for Port Hardy, 101.2 people per square kilometre, is calculated from the population and land area above.

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

Port Hardy appears in the census record with 3,902 residents, and the density of 101.2 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.

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 provincial rules apply wherever a borrower is in British Columbia; a municipal boundary does not change them.