Borrowing in Baldwin, Ontario

Baldwin, Ontario, recorded a population of 579 in the 2021 Census; the rules that govern a loan signed there are provincial.

The census figures for Baldwin

579 people were counted in Baldwin in the 2021 Census. Statistics Canada lists 82.5 square kilometres of land for the community.

On those two figures, density is 7.0 residents per square kilometre when rounded to one decimal place.

Baldwin ranks 414 by population among the Ontario places on this site.

Compared with the other 527 covered Ontario places, Baldwin ranks 414 by population.

Products compared here

The site describes 20 products in total; the two below are representative of the range.

• 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 Ontario rules that apply

Licensing for consumer credit in Ontario sits with the province or territory, and the Financial Consumer Agency of Canada maintains the public list of provincial and territorial regulators.

The federal payday lending regulations, SOR/2024-114, cap the cost of borrowing at $14 per $100 advanced in Ontario, which the federal Payday Lending Regulations (SOR/2024-114) list as a province that regulates the product.

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

Joint applications combine two incomes and two sets of obligations in the same assessment.

A broker arranges credit but does not lend, and the lender remains the party that makes the decision. A lender is free to set its own price below the legal ceiling, and it does so according to the risk it reads in the file.

The density figure for Baldwin, 7.0 people per square kilometre, is calculated from the population and land area above.

The land area recorded for Baldwin is 82.5 square kilometres, and the population is 579 residents in the 2021 Census.

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

At 579 residents in the 2021 Census, Baldwin is listed alongside the other covered places in Ontario.

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

Baldwin appears in the census record with 579 residents, and the density of 7.0 people per square kilometre follows from it.

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

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

Baldwin ranks 414 by 2021 Census population among the covered places in Ontario.

Baldwin sits at rank 414 within Ontario in this data set, and the provincial rules apply as they do elsewhere.

Baldwin is one of 527 covered Ontario places, counted at 579 residents with a land area of 82.5 square kilometres.

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.