Borrowing in Edwardsburgh/Cardinal, Ontario

With 7,505 residents counted in the 2021 Census, Edwardsburgh/Cardinal sits inside Ontario's provincial lending framework.

The census figures for Edwardsburgh/Cardinal

The 2021 Census counted 7,505 residents in Edwardsburgh/Cardinal. Statistics Canada lists 309.9 square kilometres of land for the community.

The arithmetic gives 24.2 people per square kilometre.

Edwardsburgh/Cardinal ranks 191 by population among the Ontario places on this site.

Compared with the other 527 covered Ontario places, Edwardsburgh/Cardinal ranks 191 by population.

Products compared here

Two of the 20 covered products appear below, each with the purpose the product is designed for.

• Personal loans: A fixed sum repaid on a schedule, usually unsecured, for almost any purpose a lender will accept.
• Mortgage loans: Borrowing against residential property, including how a federally regulated lender tests the file.

The Ontario rules that apply

Provincial or territorial law decides who may lend in Ontario, and the Financial Consumer Agency of Canada publishes the list that names the regulator responsible.

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.

Places in the lower-middle band group smaller towns and municipalities under the same provincial framework.

How borrowing works locally

Provincial licensing decides who may lend, and federal rules add a ceiling where a licensed payday regime exists.

An application usually asks for identification, income evidence, banking details and a statement of obligations. A secured product gives the lender a claim on a named asset, which is why its price is usually lower than an unsecured equivalent.

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

Edwardsburgh/Cardinal sits at rank 191 within Ontario in this data set, and the provincial rules apply as they do elsewhere.

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

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

The land area recorded for Edwardsburgh/Cardinal is 309.9 square kilometres, and the population is 7,505 residents in the 2021 Census.

Edwardsburgh/Cardinal appears in the census record with 7,505 residents, and the density of 24.2 people per square kilometre follows from it.

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

Edwardsburgh/Cardinal ranks 191 by 2021 Census population among the covered places in Ontario.

The density figure for Edwardsburgh/Cardinal, 24.2 people per square kilometre, is calculated from the population and land area above.

At 7,505 residents in the 2021 Census, Edwardsburgh/Cardinal is listed alongside the other covered places in Ontario.

Edwardsburgh/Cardinal is one of 527 covered Ontario places, counted at 7,505 residents with a land area of 309.9 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.

Statistics Canada's 2021 Census of Population supplies the population and land-area figures, and the federal Payday Lending Regulations (SOR/2024-114) supply the payday position.

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.