Borrowing in Saint-Joseph, New Brunswick

With 1,549 residents counted in the 2021 Census, Saint-Joseph 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.

A payday advance in New Brunswick 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).

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.

The census figures for Saint-Joseph

Population for Saint-Joseph stands at 1,549 in the 2021 Census. Statistics Canada lists 321.4 square kilometres of land for the community.

Dividing population by land area gives 4.8 residents per square kilometre, rounded to one decimal place.

By population it ranks 101 among the New Brunswick places covered here.

Saint-Joseph therefore appears at rank 101 of 256 covered New Brunswick places, with a density of 4.8 people per square kilometre.

Products compared here

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

• Payday loans: Small, short-term advances against a pay date, the most tightly regulated product in Canadian consumer credit.
• No credit check loans: What lenders who advertise without a credit check actually look at instead, and where the cost goes.

How borrowing works locally

An application usually asks for identification, income evidence, banking details and a statement of obligations.

Variable-rate products move with a reference rate, while fixed-rate products set the price for a defined term. A lender's assessment looks at income, existing obligations, the credit file, and the asset pledged where there is one.

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

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

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

Saint-Joseph ranks 101 by 2021 Census population among the covered places in New Brunswick.

Saint-Joseph is one of 256 covered New Brunswick places, counted at 1,549 residents with a land area of 321.4 square kilometres.

The land area recorded for Saint-Joseph is 321.4 square kilometres, and the population is 1,549 residents in the 2021 Census.

The density figure for Saint-Joseph, 4.8 people per square kilometre, is calculated from the population and land area above.

At 1,549 residents in the 2021 Census, Saint-Joseph is listed alongside the other covered places in New Brunswick.

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

Saint-Joseph sits at rank 101 within New Brunswick in this data set, and the provincial rules apply as they do elsewhere.

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

Saint-Joseph appears in the census record with 1,549 residents, and the density of 4.8 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 same structure is used for every place covered, so two communities can be compared field by field: population, land area, density, rank, and the provincial rules.