Borrowing in York Harbour, Newfoundland and Labrador

A loan taken out in York Harbour is governed by Newfoundland and Labrador's licensing rules, and the 2021 Census counted 372 people in the community.

The Newfoundland and Labrador rules that apply

Licensing for consumer credit in Newfoundland and Labrador sits with the province or territory, and the Financial Consumer Agency of Canada maintains the public 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.

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

How borrowing works locally

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

A revolving product charges interest on the outstanding balance, while an instalment product charges a fixed schedule of payments. Joint applications combine two incomes and two sets of obligations in the same assessment.

The census figures for York Harbour

The 2021 Census counted 372 residents in York Harbour. Statistics Canada lists 13.9 square kilometres of land for the community.

Population divided by land area produces a density of 26.8 people per square kilometre.

The 2021 Census population places it at rank 192 in the province.

Compared with the other 322 covered Newfoundland and Labrador places, York Harbour ranks 192 by population.

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.

• Collateral loans: Borrowing against an asset a lender will hold, from vehicles to savings, and what happens on default.
• Car loans: Financing a vehicle, including the effect of trade-in equity, negative equity and dealer-arranged credit.

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

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

York Harbour appears in the census record with 372 residents, and the density of 26.8 people per square kilometre follows from it.

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

The density figure for York Harbour, 26.8 people per square kilometre, is calculated from the population and land area above.

York Harbour ranks 192 by 2021 Census population among the covered places in Newfoundland and Labrador.

The land area recorded for York Harbour is 13.9 square kilometres, and the population is 372 residents in the 2021 Census.

York Harbour sits at rank 192 within Newfoundland and Labrador in this data set, and the provincial rules apply as they do elsewhere.

York Harbour is one of 322 covered Newfoundland and Labrador places, counted at 372 residents with a land area of 13.9 square kilometres.

At 372 residents in the 2021 Census, York Harbour is listed alongside the other covered places in Newfoundland and Labrador.

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

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.

The same structure is used for every place covered, so two communities can be compared field by field: population, land area, density, rank, and the provincial rules.