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Borrowing in Division No. 2, Subd. D, Newfoundland and Labrador

Division No. 2, Subd. D is one of the Newfoundland and Labrador communities covered here, with 204 people counted in the 2021 Census; this page sets out the local facts and the provincial lending position.

Province Newfoundland and Labrador (NL)
Population, 2021 Census 204
Land area 33.2 km²
Provincial regulator See the FCAC list

A loan taken out in Division No. 2, Subd. D is governed by Newfoundland and Labrador's licensing rules, and the 2021 Census counted 204 people in the community.

Products compared here

These are two of the 20 products described on the site, and each has a national page as well as the provincial rules.

  • No credit check loans: What lenders who advertise without a credit check actually look at instead, and where the cost goes.
  • Mortgage refinancing: Replacing an existing mortgage to change the rate, the term or the amount borrowed, and what it costs.

How borrowing works locally

A credit file is compiled by private agencies from information lenders and other creditors report.

A provincial regulator publishes licensing requirements, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators. An application usually asks for identification, income evidence, banking details and a statement of obligations.

The Newfoundland and Labrador rules that apply

Consumer lending in Newfoundland and Labrador is licensed provincially or territorially, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators where the current position appears.

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.

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. 2, Subd. D

204 people were counted in Division No. 2, Subd. D in the 2021 Census. The community covers 33.2 square kilometres of land.

Population divided by land area produces a density of 6.2 people per square kilometre.

Division No. 2, Subd. D ranks 262 by population among the Newfoundland and Labrador places on this site.

Compared with the other 322 covered Newfoundland and Labrador places, Division No. 2, Subd. D ranks 262 by population.

The land area recorded for Division No. 2, Subd. D is 33.2 square kilometres, and the population is 204 residents in the 2021 Census.

Readers comparing Division No. 2, Subd. D with another community can use the same four census fields.

For Division No. 2, Subd. D, the two census fields above are the only local statistics used anywhere on the page.

Division No. 2, Subd. D sits at rank 262 within Newfoundland and Labrador in this data set, and the provincial rules apply as they do elsewhere.

Nothing on the Division No. 2, Subd. D page is estimated; the population and land area come from Statistics Canada's 2021 Census of Population.

Where a figure for Division No. 2, Subd. D could not be verified, the page names the publisher instead of printing a number.

The density figure for Division No. 2, Subd. D, 6.2 people per square kilometre, is calculated from the population and land area above.

Division No. 2, Subd. D is one of 322 covered Newfoundland and Labrador places, counted at 204 residents with a land area of 33.2 square kilometres.

Division No. 2, Subd. D appears in the census record with 204 residents, and the density of 6.2 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.

Census figures are from Statistics Canada's 2021 Census of Population, and the payday position is taken from the federal Payday Lending Regulations (SOR/2024-114).

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

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

Borrowing in Division No. 2, Subd. D

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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