Borrowing in Kelsey, Manitoba

This page covers borrowing in Kelsey, Manitoba: the census facts, the provincial rules, and the products people compare.

The census figures for Kelsey

The 2021 Census counted 2,181 residents in Kelsey. 850.4 square kilometres of land are attributed to Kelsey.

That gives a density of 2.6 people per square kilometre, rounded to one decimal place.

The community is the 73rd largest place in the province within this census set.

Compared with the other 203 covered Manitoba places, Kelsey ranks 73 by population.

The Manitoba rules that apply

The body that licenses consumer lending in Manitoba 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) count Manitoba among the provinces with payday lending rules, where the published maximum cost of borrowing is $14 per $100 under the federal limit (this province's own published limit is $17 per $100 advanced, the top of the range the Regulations describe) advanced under SOR/2024-114.

Places in the smallest population band are grouped here as small communities, and the pages carry the same census fields and the same provincial rules as the largest city.

How borrowing works locally

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

A deposit or trade-in reduces the amount financed and therefore the interest charged over the term. A provincial regulator publishes licensing requirements, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators.

Products compared here

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

• Mortgage refinancing: Replacing an existing mortgage to change the rate, the term or the amount borrowed, and what it costs.
• Cash advance loans: Immediate short-term cash, including the difference between a cash advance on credit and a payday-style advance.

The land area recorded for Kelsey is 850.4 square kilometres, and the population is 2,181 residents in the 2021 Census.

Kelsey sits at rank 73 within Manitoba in this data set, and the provincial rules apply as they do elsewhere.

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

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

Kelsey ranks 73 by 2021 Census population among the covered places in Manitoba.

At 2,181 residents in the 2021 Census, Kelsey is listed alongside the other covered places in Manitoba.

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

The density figure for Kelsey, 2.6 people per square kilometre, is calculated from the population and land area above.

Kelsey appears in the census record with 2,181 residents, and the density of 2.6 people per square kilometre follows from it.

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

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

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).

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