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Borrowing in Small Point-Adam's Cove-Blackhead-Broad Cove, Newfoundland and Labrador

Population 414, land area 23.1 square kilometres: the census facts for Small Point-Adam's Cove-Blackhead-Broad Cove, plus how consumer credit is regulated in Newfoundland and Labrador.

Province Newfoundland and Labrador (NL)
Population, 2021 Census 414
Land area 23.1 km²
Provincial regulator See the FCAC list

This page covers borrowing in Small Point-Adam's Cove-Blackhead-Broad Cove, Newfoundland and Labrador: the census facts, the provincial rules, and the products people compare.

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.

In Newfoundland and Labrador, payday lending operates under a licensed provincial regime, and the federal Payday Lending Regulations (SOR/2024-114) record a maximum cost of borrowing of $14 for each $100 advanced under SOR/2024-114.

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

The census figures for Small Point-Adam's Cove-Blackhead-Broad Cove

414 people were counted in Small Point-Adam's Cove-Blackhead-Broad Cove in the 2021 Census. 23.1 square kilometres of land are attributed to Small Point-Adam's Cove-Blackhead-Broad Cove.

Population divided by land area produces a density of 17.9 people per square kilometre.

The 2021 Census population places it at rank 175 in the province.

Small Point-Adam's Cove-Blackhead-Broad Cove sits at rank 175 among the 322 Newfoundland and Labrador places here, with 414 residents in the 2021 Census.

Products compared here

Two of the 20 covered products appear below, each with the purpose the product is designed for.

  • 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 mortgage is registered against the property, which is what gives the lender its claim.

A broker arranges credit but does not lend, and the lender remains the party that makes the decision. Payment history is reported to credit agencies, and that record is what builds or damages a credit file over time.

Where a figure for Small Point-Adam's Cove-Blackhead-Broad Cove could not be verified, the page names the publisher instead of printing a number.

The land area recorded for Small Point-Adam's Cove-Blackhead-Broad Cove is 23.1 square kilometres, and the population is 414 residents in the 2021 Census.

The Small Point-Adam's Cove-Blackhead-Broad Cove page follows the same structure as every other place page, with population, land area, density and rank.

Readers comparing Small Point-Adam's Cove-Blackhead-Broad Cove with another community can use the same four census fields.

Small Point-Adam's Cove-Blackhead-Broad Cove appears in the census record with 414 residents, and the density of 17.9 people per square kilometre follows from it.

At 414 residents in the 2021 Census, Small Point-Adam's Cove-Blackhead-Broad Cove is listed alongside the other covered places in Newfoundland and Labrador.

For Small Point-Adam's Cove-Blackhead-Broad Cove, the two census fields above are the only local statistics used anywhere on the page.

Small Point-Adam's Cove-Blackhead-Broad Cove is one of 322 covered Newfoundland and Labrador places, counted at 414 residents with a land area of 23.1 square kilometres.

Nothing on the Small Point-Adam's Cove-Blackhead-Broad Cove page is estimated; the population and land area come from Statistics Canada's 2021 Census of Population.

The density figure for Small Point-Adam's Cove-Blackhead-Broad Cove, 17.9 people per square kilometre, is calculated from the population and land area above.

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.

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 Small Point-Adam's Cove-Blackhead-Broad Cove

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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