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Borrowing in Division No. 1, Subd. F, Newfoundland and Labrador

Population 539, land area 173.0 square kilometres: the census facts for Division No. 1, Subd. F, plus how consumer credit is regulated in Newfoundland and Labrador.

Province Newfoundland and Labrador (NL)
Population, 2021 Census 539
Land area 173.0 km²
Provincial regulator See the FCAC list

Division No. 1, Subd. F is one of the Newfoundland and Labrador places covered here, with 539 residents recorded in the 2021 Census and the same provincial rulebook as the rest of the province.

Products compared here

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

  • Business lines of credit: A revolving operating limit for a business, and why it behaves differently from a term loan.
  • Collateral loans: Borrowing against an asset a lender will hold, from vehicles to savings, and what happens on default.

How borrowing works locally

A lender's assessment looks at income, existing obligations, the credit file, and the asset pledged where there is one.

A lender is free to set its own price below the legal ceiling, and it does so according to the risk it reads in the file. A mortgage is registered against the property, which is what gives the lender its claim.

The Newfoundland and Labrador rules that apply

Consumer credit in Newfoundland and Labrador is licensed by the provincial or territorial regulator, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators.

A payday advance in Newfoundland and Labrador 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).

Small places are covered the same way as large ones: census figures for the place, and the provincial position on lending.

The census figures for Division No. 1, Subd. F

In the 2021 Census, Division No. 1, Subd. F had 539 residents. 173.0 square kilometres of land are attributed to Division No. 1, Subd. F.

The arithmetic gives 3.1 people per square kilometre.

By population it ranks 148 among the Newfoundland and Labrador places covered here.

The place record for Division No. 1, Subd. F covers 173.0 square kilometres and 539 residents, a density of 3.1 people per square kilometre.

The Division No. 1, Subd. F page follows the same structure as every other place page, with population, land area, density and rank.

At 539 residents in the 2021 Census, Division No. 1, Subd. F is listed alongside the other covered places in Newfoundland and Labrador.

Where a figure for Division No. 1, Subd. F could not be verified, the page names the publisher instead of printing a number.

The land area recorded for Division No. 1, Subd. F is 173.0 square kilometres, and the population is 539 residents in the 2021 Census.

Division No. 1, Subd. F appears in the census record with 539 residents, and the density of 3.1 people per square kilometre follows from it.

For Division No. 1, Subd. F, the two census fields above are the only local statistics used anywhere on the page.

Division No. 1, Subd. F ranks 148 by 2021 Census population among the covered places in Newfoundland and Labrador.

Nothing on the Division No. 1, Subd. F page is estimated; the population and land area come from Statistics Canada's 2021 Census of Population.

Readers comparing Division No. 1, Subd. F 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.

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

Borrowing in Division No. 1, Subd. F

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.

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