Borrowing in Brighton, Newfoundland and Labrador

Brighton is one of the Newfoundland and Labrador communities covered here, with a 2021 Census population of 163, and borrowing there is licensed under Newfoundland and Labrador's consumer credit rules.

The Newfoundland and Labrador rules that apply

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

The federal Payday Lending Regulations (SOR/2024-114) count Newfoundland and Labrador among the provinces with payday lending rules, where the published maximum cost of borrowing is $14 per $100 advanced under SOR/2024-114.

This is a small community by population, inside the lowest band used on this site, and the provincial framework applies without variation.

How borrowing works locally

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

Provincial licensing decides who may lend, and federal rules add a ceiling where a licensed payday regime exists. A prepayment privilege allows a borrower to pay more than the scheduled amount, sometimes with a charge attached.

The census figures for Brighton

Statistics Canada's 2021 Census gives Brighton a population of 163. Land area for Brighton is 2.3 square kilometres in the same census.

On those two figures, density is 72.1 residents per square kilometre when rounded to one decimal place.

The community is the 288th largest place in the province within this census set.

The place record for Brighton covers 2.3 square kilometres and 163 residents, a density of 72.1 people per square kilometre.

Products compared here

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

• Home renovation loans: Paying for work on a property, from a small unsecured instalment loan to a secured renovation product.
• Emergency loans: Money for an urgent expense, and the order in which a sensible borrower works through the options.

At 163 residents in the 2021 Census, Brighton is listed alongside the other covered places in Newfoundland and Labrador.

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

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

The land area recorded for Brighton is 2.3 square kilometres, and the population is 163 residents in the 2021 Census.

The density figure for Brighton, 72.1 people per square kilometre, is calculated from the population and land area above.

Brighton is one of 322 covered Newfoundland and Labrador places, counted at 163 residents with a land area of 2.3 square kilometres.

Brighton ranks 288 by 2021 Census population among the covered places in Newfoundland and Labrador.

Brighton appears in the census record with 163 residents, and the density of 72.1 people per square kilometre follows from it.

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

Brighton sits at rank 288 within Newfoundland and Labrador in this data set, and the provincial rules apply as they do elsewhere.

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

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.