Borrowing in Champlain, Ontario

With 8,665 residents counted in the 2021 Census, Champlain sits inside Ontario's provincial lending framework.

The Ontario rules that apply

The regulator for consumer credit in Ontario is the body listed by the federal Payday Lending Regulations (SOR/2024-114) provincial and territorial regulators.

Payday lending is licensed in Ontario; 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.

Size changes the census figures, not the rules; this community falls in the lower-middle band.

The census figures for Champlain

The 2021 Census counted 8,665 residents in Champlain. 207.0 square kilometres of land are attributed to Champlain.

That gives a density of 41.9 people per square kilometre, rounded to one decimal place.

Among covered Ontario places, Champlain sits at rank 170 by population.

Champlain therefore appears at rank 170 of 527 covered Ontario places, with a density of 41.9 people per square kilometre.

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.

How borrowing works locally

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. A prepayment privilege allows a borrower to pay more than the scheduled amount, sometimes with a charge attached.

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

Champlain ranks 170 by 2021 Census population among the covered places in Ontario.

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

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

At 8,665 residents in the 2021 Census, Champlain is listed alongside the other covered places in Ontario.

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

Champlain appears in the census record with 8,665 residents, and the density of 41.9 people per square kilometre follows from it.

The density figure for Champlain, 41.9 people per square kilometre, is calculated from the population and land area above.

Champlain sits at rank 170 within Ontario in this data set, and the provincial rules apply as they do elsewhere.

Champlain is one of 527 covered Ontario places, counted at 8,665 residents with a land area of 207.0 square kilometres.

For Champlain, 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.

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.