Borrowing in Winterton, Newfoundland and Labrador

Winterton is one of the Newfoundland and Labrador communities covered here, with a 2021 Census population of 436, and borrowing there is licensed under Newfoundland and Labrador's consumer credit rules.

How borrowing works locally

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

A lender may ask for proof of address, and a permanent address is a standard requirement for consumer credit. A provincial regulator publishes licensing requirements, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators.

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.

The census figures for Winterton

The 2021 Census counted 436 residents in Winterton. The census records a land area of 10.6 square kilometres for Winterton.

On those two figures, density is 41.1 residents per square kilometre when rounded to one decimal place.

Among covered Newfoundland and Labrador places, Winterton sits at rank 171 by population.

Winterton is one of 322 places listed for Newfoundland and Labrador, ranked 171 by population and measured at 10.6 square kilometres.

The Newfoundland and Labrador rules that apply

The body that licenses consumer lending in Newfoundland and Labrador is the regulator named on the federal Payday Lending Regulations (SOR/2024-114)'s list of provincial and territorial regulators.

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.

Small places are covered the same way as large ones: census figures for the place, and the provincial position on lending.

Winterton is one of 322 covered Newfoundland and Labrador places, counted at 436 residents with a land area of 10.6 square kilometres.

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

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

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

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

Winterton appears in the census record with 436 residents, and the density of 41.1 people per square kilometre follows from it.

At 436 residents in the 2021 Census, Winterton is listed alongside the other covered places in Newfoundland and Labrador.

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

Winterton ranks 171 by 2021 Census population among the covered places in Newfoundland and Labrador.

Winterton sits at rank 171 within Newfoundland and Labrador in this data set, and the provincial rules apply as they do elsewhere.

The land area recorded for Winterton is 10.6 square kilometres, and the population is 436 residents in the 2021 Census.

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.