Borrowing in Guelph, Ontario

With 143,740 residents counted in the 2021 Census, Guelph sits inside Ontario's provincial lending framework.

The census figures for Guelph

Guelph recorded a population of 143,740 in Statistics Canada's 2021 Census of Population. Its land area is 87.4 square kilometres.

Dividing population by land area gives 1644.1 residents per square kilometre, rounded to one decimal place.

Among covered Ontario places, Guelph sits at rank 17 by population.

Within Ontario, Guelph is place number 17 by population in this census set, at 143,740 residents.

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.

A payday advance in Ontario falls under a provincial licensing regime, and the cost of borrowing is capped at $14 per $100 advanced according to the federal Payday Lending Regulations (SOR/2024-114).

This community is in the upper-middle band, and the provincial rules apply as they do across the province.

How borrowing works locally

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

An application usually asks for identification, income evidence, banking details and a statement of obligations. A revolving product charges interest on the outstanding balance, while an instalment product charges a fixed schedule of payments.

Products compared here

Each product below has its own page, and the Ontario position applies to all of them.

• 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.

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

The density figure for Guelph, 1644.1 people per square kilometre, is calculated from the population and land area above.

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

Guelph sits at rank 17 within Ontario in this data set, and the provincial rules apply as they do elsewhere.

Guelph appears in the census record with 143,740 residents, and the density of 1644.1 people per square kilometre follows from it.

The land area recorded for Guelph is 87.4 square kilometres, and the population is 143,740 residents in the 2021 Census.

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

At 143,740 residents in the 2021 Census, Guelph is listed alongside the other covered places in Ontario.

Guelph ranks 17 by 2021 Census population among the covered places in Ontario.

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

Guelph is one of 527 covered Ontario places, counted at 143,740 residents with a land area of 87.4 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).

The provincial rules apply wherever a borrower is in Ontario; a municipal boundary does not change them.