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Borrowing in Division No. 3, Subd. F, Newfoundland and Labrador

Population 115, land area 2548.6 square kilometres: the census facts for Division No. 3, Subd. F, plus how consumer credit is regulated in Newfoundland and Labrador.

Province Newfoundland and Labrador (NL)
Population, 2021 Census 115
Land area 2548.6 km²
Provincial regulator See the FCAC list

Division No. 3, Subd. F is one of the Newfoundland and Labrador communities covered here, with a 2021 Census population of 115, 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.

The lowest band groups villages, rural municipalities and small towns, all read against the same provincial rulebook.

How borrowing works locally

Adding a co-signer puts a second file in front of the lender and adds a second person to the obligation.

A mortgage is registered against the property, which is what gives the lender its claim. Provincial licensing decides who may lend, and federal rules add a ceiling where a licensed payday regime exists.

The census figures for Division No. 3, Subd. F

Division No. 3, Subd. F recorded a population of 115 in Statistics Canada's 2021 Census of Population. Land area for Division No. 3, Subd. F is 2548.6 square kilometres in the same census.

That gives a density of 0.0 people per square kilometre, rounded to one decimal place.

Division No. 3, Subd. F ranks 312 by population among the Newfoundland and Labrador places on this site.

Division No. 3, Subd. F therefore appears at rank 312 of 322 covered Newfoundland and Labrador places, with a density of 0.0 people per square kilometre.

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.

  • Bad credit loans: Borrowing when the credit file is damaged, and what changes about price and security as a result.
  • Home equity loans: Converting property equity into credit, and the difference between a lump sum and a revolving limit.

The land area recorded for Division No. 3, Subd. F is 2548.6 square kilometres, and the population is 115 residents in the 2021 Census.

Division No. 3, Subd. F sits at rank 312 within Newfoundland and Labrador in this data set, and the provincial rules apply as they do elsewhere.

Division No. 3, Subd. F appears in the census record with 115 residents, and the density of 0.0 people per square kilometre follows from it.

Readers comparing Division No. 3, Subd. F with another community can use the same four census fields.

Division No. 3, Subd. F ranks 312 by 2021 Census population among the covered places in Newfoundland and Labrador.

Where a figure for Division No. 3, Subd. F could not be verified, the page names the publisher instead of printing a number.

The density figure for Division No. 3, Subd. F, 0.0 people per square kilometre, is calculated from the population and land area above.

Division No. 3, Subd. F is one of 322 covered Newfoundland and Labrador places, counted at 115 residents with a land area of 2548.6 square kilometres.

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).

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. 3, 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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