Borrowing in Laird, Ontario

Laird is one of the Ontario communities covered here, with a 2021 Census population of 1,121, and borrowing there is licensed under Ontario's consumer credit rules.

The census figures for Laird

In the 2021 Census, Laird had 1,121 residents. Its land area is 103.2 square kilometres.

That gives a density of 10.9 people per square kilometre, rounded to one decimal place.

By population it ranks 344 among the Ontario places covered here.

Within Ontario, Laird is place number 344 by population in this census set, at 1,121 residents.

The Ontario rules that apply

Consumer credit in Ontario is licensed by the provincial or territorial regulator, and the Financial Consumer Agency of Canada publishes the 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).

Places in the smallest population band are grouped here as small communities, and the pages carry the same census fields and the same provincial rules as the largest city.

How borrowing works locally

A revolving product charges interest on the outstanding balance, while an instalment product charges a fixed schedule of payments.

A broker arranges credit but does not lend, and the lender remains the party that makes the decision. A provincial regulator publishes licensing requirements, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators.

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.

• 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.

The density figure for Laird, 10.9 people per square kilometre, is calculated from the population and land area above.

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

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

Laird appears in the census record with 1,121 residents, and the density of 10.9 people per square kilometre follows from it.

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

The land area recorded for Laird is 103.2 square kilometres, and the population is 1,121 residents in the 2021 Census.

Laird is one of 527 covered Ontario places, counted at 1,121 residents with a land area of 103.2 square kilometres.

Laird sits at rank 344 within Ontario in this data set, and the provincial rules apply as they do elsewhere.

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

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

At 1,121 residents in the 2021 Census, Laird is listed alongside the other 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.

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.