Borrowing in Kingston, Ontario

Kingston, Ontario, recorded a population of 132,485 in the 2021 Census; the rules that govern a loan signed there are provincial.

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) count Ontario among the provinces with payday lending rules, where the published maximum cost of borrowing is $14 per $100 advanced under SOR/2024-114.

Communities in the upper-middle band sit below the largest cities but above the small-town range, and the rules remain provincial.

How borrowing works locally

Payment history is reported to credit agencies, and that record is what builds or damages a credit file over time.

A deposit or trade-in reduces the amount financed and therefore the interest charged over the term. A prepayment privilege allows a borrower to pay more than the scheduled amount, sometimes with a charge attached.

The census figures for Kingston

In the 2021 Census, Kingston had 132,485 residents. 451.6 square kilometres of land are attributed to Kingston.

Dividing population by land area gives 293.4 residents per square kilometre, rounded to one decimal place.

The community is the 22nd largest place in the province within this census set.

The place record for Kingston covers 451.6 square kilometres and 132,485 residents, a density of 293.4 people per square kilometre.

Products compared here

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

• Bad credit loans: Borrowing when the credit file is damaged, and what changes about price and security as a result.
• Home equity loans: Converting property equity into credit, and the difference between a lump sum and a revolving limit.

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

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

Kingston is one of 527 covered Ontario places, counted at 132,485 residents with a land area of 451.6 square kilometres.

The land area recorded for Kingston is 451.6 square kilometres, and the population is 132,485 residents in the 2021 Census.

At 132,485 residents in the 2021 Census, Kingston is listed alongside the other covered places in Ontario.

Kingston sits at rank 22 within Ontario in this data set, and the provincial rules apply as they do elsewhere.

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

Kingston appears in the census record with 132,485 residents, and the density of 293.4 people per square kilometre follows from it.

The density figure for Kingston, 293.4 people per square kilometre, is calculated from the population and land area above.

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

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

Kingston ranks 22 by 2021 Census population among the covered places in Ontario.

loanmoose.ca is not a lender and does not make credit decisions. The lowest rates are only available to the most qualified applicants.

The 2021 Census of Population published by Statistics Canada is the source for population and land area; the federal Payday Lending Regulations (SOR/2024-114) are the source for payday rules.

Lending rules change, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators where the current position is confirmed.