Compare loans

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

Borrowing in Division No. 1, Subd. W is licensed by Newfoundland and Labrador, and the 2021 Census counted 469 people across 822.0 square kilometres.

Province Newfoundland and Labrador (NL)
Population, 2021 Census 469
Land area 822.0 km²
Provincial regulator See the FCAC list

A loan taken out in Division No. 1, Subd. W is governed by Newfoundland and Labrador's licensing rules, and the 2021 Census counted 469 people in the community.

The Newfoundland and Labrador rules that apply

The body that licenses consumer lending in Newfoundland and Labrador 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, cap the cost of borrowing at $14 per $100 advanced in Newfoundland and Labrador, which the federal Payday Lending Regulations (SOR/2024-114) list as a province that regulates the product.

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

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

In the 2021 Census, Division No. 1, Subd. W had 469 residents. 822.0 square kilometres of land are attributed to Division No. 1, Subd. W.

The arithmetic gives 0.6 people per square kilometre.

Division No. 1, Subd. W ranks 164 by population among the Newfoundland and Labrador places on this site.

Division No. 1, Subd. W sits at rank 164 among the 322 Newfoundland and Labrador places here, with 469 residents in the 2021 Census.

Products compared here

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

  • Debt consolidation loans: Replacing several expensive debts with one payment, and the arithmetic that decides whether it helps.
  • Personal loans: A fixed sum repaid on a schedule, usually unsecured, for almost any purpose a lender will accept.

How borrowing works locally

Variable-rate products move with a reference rate, while fixed-rate products set the price for a defined term.

A consumer proposal or a bankruptcy is administered by a licensed insolvency trustee rather than by a lender. Joint applications combine two incomes and two sets of obligations in the same assessment.

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

Readers comparing Division No. 1, Subd. W with another community can use the same four census fields.

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

The density figure for Division No. 1, Subd. W, 0.6 people per square kilometre, is calculated from the population and land area above.

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

Division No. 1, Subd. W appears in the census record with 469 residents, and the density of 0.6 people per square kilometre follows from it.

The land area recorded for Division No. 1, Subd. W is 822.0 square kilometres, and the population is 469 residents in the 2021 Census.

At 469 residents in the 2021 Census, Division No. 1, Subd. W is listed alongside the other covered places in Newfoundland and Labrador.

Division No. 1, Subd. W sits at rank 164 within Newfoundland and Labrador in this data set, and the provincial rules apply as they do elsewhere.

Division No. 1, Subd. W ranks 164 by 2021 Census population among the covered places in Newfoundland and Labrador.

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).

Lending rules change, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators where the current position is confirmed.

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

Borrowing in Division No. 1, Subd. W

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

St. John's 110,525 Conception Bay South 27,168 Paradise 22,957 Mount Pearl 22,477 Corner Brook 19,333 Grand Falls-Windsor 13,853

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.