Borrowing in River of Ponds, Newfoundland and Labrador

With 173 residents counted in the 2021 Census, River of Ponds sits inside Newfoundland and Labrador's provincial lending framework.

The census figures for River of Ponds

In the 2021 Census, River of Ponds had 173 residents. Its land area is 4.5 square kilometres.

Dividing population by land area gives 38.8 residents per square kilometre, rounded to one decimal place.

Among covered Newfoundland and Labrador places, River of Ponds sits at rank 283 by population.

The place record for River of Ponds covers 4.5 square kilometres and 173 residents, a density of 38.8 people per square kilometre.

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) 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.

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

How borrowing works locally

A consumer proposal or a bankruptcy is administered by a licensed insolvency trustee rather than by a lender.

A broker arranges credit but does not lend, and the lender remains the party that makes the decision. Variable-rate products move with a reference rate, while fixed-rate products set the price for a defined term.

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.

• Mortgage loans: Borrowing against residential property, including how a federally regulated lender tests the file.
• Debt relief programs: The formal and informal routes out of unmanageable debt in Canada, and who is licensed to run them.

Readers comparing River of Ponds with another community can use the same four census fields.

River of Ponds appears in the census record with 173 residents, and the density of 38.8 people per square kilometre follows from it.

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

The density figure for River of Ponds, 38.8 people per square kilometre, is calculated from the population and land area above.

River of Ponds sits at rank 283 within Newfoundland and Labrador in this data set, and the provincial rules apply as they do elsewhere.

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

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

River of Ponds ranks 283 by 2021 Census population among the covered places in Newfoundland and Labrador.

The land area recorded for River of Ponds is 4.5 square kilometres, and the population is 173 residents in the 2021 Census.

River of Ponds is one of 322 covered Newfoundland and Labrador places, counted at 173 residents with a land area of 4.5 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.

The 2021 Census of Population published by Statistics Canada is the source for population and land area; the federal Payday Lending Regulations (SOR/2024-114) are the source for payday rules.

Compare the disclosure on any agreement against the provincial ceiling, and treat the census figures as the only local statistics on the page.