Borrowing in Prince Rupert, British Columbia

Prince Rupert is one of the British Columbia places covered here, with 12,300 residents recorded in the 2021 Census and the same provincial rulebook as the rest of the province.

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.

In British Columbia, payday lending operates under a licensed provincial regime, and the federal Payday Lending Regulations (SOR/2024-114) record a maximum cost of borrowing of $14 for each $100 advanced under SOR/2024-114.

Size changes the census figures, not the rules; this community falls in the lower-middle band.

The census figures for Prince Rupert

12,300 people were counted in Prince Rupert in the 2021 Census. The community covers 66.0 square kilometres of land.

That gives a density of 186.4 people per square kilometre, rounded to one decimal place.

Prince Rupert ranks 52 by population among the British Columbia places on this site.

Prince Rupert therefore appears at rank 52 of 460 covered British Columbia places, with a density of 186.4 people per square kilometre.

Products compared here

Each product below has its own page, and the British Columbia position applies to all of them.

• Instalment loans: A fixed number of fixed payments, sized larger and longer than a payday advance.
• Secured loans: Borrowing against an asset, which lowers the price but puts the asset at risk if you default.

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. Provincial licensing decides who may lend, and federal rules add a ceiling where a licensed payday regime exists.

The density figure for Prince Rupert, 186.4 people per square kilometre, is calculated from the population and land area above.

Prince Rupert appears in the census record with 12,300 residents, and the density of 186.4 people per square kilometre follows from it.

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

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

At 12,300 residents in the 2021 Census, Prince Rupert is listed alongside the other covered places in British Columbia.

Prince Rupert sits at rank 52 within British Columbia in this data set, and the provincial rules apply as they do elsewhere.

Prince Rupert is one of 460 covered British Columbia places, counted at 12,300 residents with a land area of 66.0 square kilometres.

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

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

Readers comparing Prince Rupert with another community can use the same four census fields.

The land area recorded for Prince Rupert is 66.0 square kilometres, and the population is 12,300 residents in the 2021 Census.

Prince Rupert ranks 52 by 2021 Census population among the covered places in British Columbia.

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

Population and land area figures come from Statistics Canada's 2021 Census of Population; regulatory statements are attributed to the federal Payday Lending Regulations (SOR/2024-114).

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