Compare loans

Borrowing in Saint James, New Brunswick

Population 1,024, land area 552.9 square kilometres: the census facts for Saint James, plus how consumer credit is regulated in New Brunswick.

Province New Brunswick (NB)
Population, 2021 Census 1,024
Land area 552.9 km²
Provincial regulator See the FCAC list

With 1,024 residents counted in the 2021 Census, Saint James sits inside New Brunswick's provincial lending framework.

The New Brunswick rules that apply

Provincial or territorial law decides who may lend in New Brunswick, and the Financial Consumer Agency of Canada publishes the list that names the regulator responsible.

The federal Payday Lending Regulations (SOR/2024-114) list New Brunswick 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.

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

The census figures for Saint James

Saint James recorded a population of 1,024 in Statistics Canada's 2021 Census of Population. Its land area is 552.9 square kilometres.

Population divided by land area produces a density of 1.9 people per square kilometre.

Saint James ranks 149 by population among the New Brunswick places on this site.

Saint James is one of 256 places listed for New Brunswick, ranked 149 by population and measured at 552.9 square kilometres.

Products compared here

The product pages behind this city cover the following borrowing categories, among the 20 products compared nationally.

  • Emergency loans: Money for an urgent expense, and the order in which a sensible borrower works through the options.
  • Unsecured loans: Borrowing with no asset pledged, priced for the risk the lender is taking on your file alone.

How borrowing works locally

A provincial regulator publishes licensing requirements, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators.

Variable-rate products move with a reference rate, while fixed-rate products set the price for a defined term. A mortgage is registered against the property, which is what gives the lender its claim.

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

Saint James is one of 256 covered New Brunswick places, counted at 1,024 residents with a land area of 552.9 square kilometres.

The density figure for Saint James, 1.9 people per square kilometre, is calculated from the population and land area above.

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

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

Saint James sits at rank 149 within New Brunswick in this data set, and the provincial rules apply as they do elsewhere.

Saint James appears in the census record with 1,024 residents, and the density of 1.9 people per square kilometre follows from it.

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

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

Saint James ranks 149 by 2021 Census population among the covered places in New Brunswick.

The land area recorded for Saint James is 552.9 square kilometres, and the population is 1,024 residents in the 2021 Census.

At 1,024 residents in the 2021 Census, Saint James is listed alongside the other covered places in New Brunswick.

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.

The provincial rules apply wherever a borrower is in New Brunswick; a municipal boundary does not change them.

Population and land area: Statistics Canada, Census of Population 2021, table 98-10-0002.

Borrowing in Saint James

Personal loans A fixed sum repaid on a schedule, usually unsecured, for almost any purpose a lender will accept. Bad credit loans Borrowing when the credit file is damaged, and what changes about price and security as a result. No credit check loans What lenders who advertise without a credit check actually look at instead, and where the cost goes. Lines of credit A revolving limit you draw on and repay, usually paying interest only on what is outstanding. Unsecured loans Borrowing with no asset pledged, priced for the risk the lender is taking on your file alone. Secured loans Borrowing against an asset, which lowers the price but puts the asset at risk if you default. Car loans Financing a vehicle, including the effect of trade-in equity, negative equity and dealer-arranged credit. Mortgage loans Borrowing against residential property, including how a federally regulated lender tests the file. Home equity loans Converting property equity into credit, and the difference between a lump sum and a revolving limit. Mortgage refinancing Replacing an existing mortgage to change the rate, the term or the amount borrowed, and what it costs. Home renovation loans Paying for work on a property, from a small unsecured instalment loan to a secured renovation product. Business loans Commercial borrowing, what lenders read in a business file, and how the assessment differs from personal credit. Business lines of credit A revolving operating limit for a business, and why it behaves differently from a term loan. Debt consolidation loans Replacing several expensive debts with one payment, and the arithmetic that decides whether it helps. Debt relief programs The formal and informal routes out of unmanageable debt in Canada, and who is licensed to run them. Payday loans Small, short-term advances against a pay date, the most tightly regulated product in Canadian consumer credit. Cash advance loans Immediate short-term cash, including the difference between a cash advance on credit and a payday-style advance. Emergency loans Money for an urgent expense, and the order in which a sensible borrower works through the options. Instalment loans A fixed number of fixed payments, sized larger and longer than a payday advance. Collateral loans Borrowing against an asset a lender will hold, from vehicles to savings, and what happens on default.

Nearby places

Moncton 79,470 Saint John 69,895 Fredericton 63,116 Dieppe 28,114 Riverview 20,584 Quispamsis 18,768

Frequently asked questions

Related

Compare loan offers

Compare options from Canadian lending partners. We are not a lender and we do not make credit decisions.

See partner options

Advertising disclosure: loanmoose.ca may receive a referral fee if you continue through a partner link. That fee does not change the rate you are offered and it does not change what we publish. We are not a lender. Read the full disclosure.