Borrowing in Oxford, Nova Scotia

This page covers borrowing in Oxford, Nova Scotia: the census facts, the provincial rules, and the products people compare.

The census figures for Oxford

Statistics Canada's 2021 Census gives Oxford a population of 1,170. The community covers 10.7 square kilometres of land.

On those two figures, density is 109.6 residents per square kilometre when rounded to one decimal place.

By population it ranks 65 among the Nova Scotia places covered here.

The place record for Oxford covers 10.7 square kilometres and 1,170 residents, a density of 109.6 people per square kilometre.

The Nova Scotia rules that apply

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

In Nova Scotia, 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.

How borrowing works locally

A provincial regulator publishes licensing requirements, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators.

A revolving product charges interest on the outstanding balance, while an instalment product charges a fixed schedule of payments. Disclosure requirements mean the cost of borrowing must be stated before an agreement is signed.

Products compared here

The product pages behind this city cover the following borrowing categories, among the 20 products compared nationally.

• No credit check loans: What lenders who advertise without a credit check actually look at instead, and where the cost goes.
• Mortgage refinancing: Replacing an existing mortgage to change the rate, the term or the amount borrowed, and what it costs.

The land area recorded for Oxford is 10.7 square kilometres, and the population is 1,170 residents in the 2021 Census.

At 1,170 residents in the 2021 Census, Oxford is listed alongside the other covered places in Nova Scotia.

Oxford appears in the census record with 1,170 residents, and the density of 109.6 people per square kilometre follows from it.

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

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

Oxford is one of 82 covered Nova Scotia places, counted at 1,170 residents with a land area of 10.7 square kilometres.

Oxford ranks 65 by 2021 Census population among the covered places in Nova Scotia.

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

Oxford sits at rank 65 within Nova Scotia in this data set, and the provincial rules apply as they do elsewhere.

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

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

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).

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