Borrowing in St. Pauls, Newfoundland and Labrador

With 202 residents counted in the 2021 Census, St. Pauls sits inside Newfoundland and Labrador's provincial lending framework.

The census figures for St. Pauls

Population for St. Pauls stands at 202 in the 2021 Census. The community covers 6.3 square kilometres of land.

That gives a density of 31.9 people per square kilometre, rounded to one decimal place.

St. Pauls ranks 263 by population among the Newfoundland and Labrador places on this site.

St. Pauls is one of 322 places listed for Newfoundland and Labrador, ranked 263 by population and measured at 6.3 square kilometres.

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.

• Home renovation loans: Paying for work on a property, from a small unsecured instalment loan to a secured renovation product.
• Emergency loans: Money for an urgent expense, and the order in which a sensible borrower works through the options.

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.

Payday lending is licensed in Newfoundland and Labrador; the federal Payday Lending Regulations (SOR/2024-114) publish a cap of $14 per $100 advanced, and notes that a province may set a lower figure.

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

How borrowing works locally

A lender may ask for proof of address, and a permanent address is a standard requirement for consumer credit.

Variable-rate products move with a reference rate, while fixed-rate products set the price for a defined term. Joint applications combine two incomes and two sets of obligations in the same assessment.

At 202 residents in the 2021 Census, St. Pauls is listed alongside the other covered places in Newfoundland and Labrador.

The land area recorded for St. Pauls is 6.3 square kilometres, and the population is 202 residents in the 2021 Census.

For St. Pauls, the two census fields above are the only local statistics used anywhere on the page.

The density figure for St. Pauls, 31.9 people per square kilometre, is calculated from the population and land area above.

St. Pauls is one of 322 covered Newfoundland and Labrador places, counted at 202 residents with a land area of 6.3 square kilometres.

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

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

St. Pauls ranks 263 by 2021 Census population among the covered places in Newfoundland and Labrador.

Readers comparing St. Pauls with another community can use the same four census fields.

The St. Pauls page follows the same structure as every other place page, with population, land area, density and rank.

St. Pauls sits at rank 263 within Newfoundland and Labrador in this data set, and the provincial rules apply as they do elsewhere.

St. Pauls appears in the census record with 202 residents, and the density of 31.9 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.

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).

Nothing here is an offer, and no page on this site can tell anyone what a lender will decide.