Borrowing in Pelham, Ontario

Pelham is one of the Ontario communities covered here, with a 2021 Census population of 18,192, and borrowing there is licensed under Ontario's consumer credit rules.

The census figures for Pelham

18,192 people were counted in Pelham in the 2021 Census. The community covers 126.3 square kilometres of land.

The calculated density is 144.0 people per square kilometre.

The 2021 Census population places it at rank 95 in the province.

Compared with the other 527 covered Ontario places, Pelham ranks 95 by population.

Products compared here

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

• Debt relief programs: The formal and informal routes out of unmanageable debt in Canada, and who is licensed to run them.
• Bad credit loans: Borrowing when the credit file is damaged, and what changes about price and security as a result.

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.

In Ontario, payday lending operates under a licensed provincial regime, and the federal Payday Lending Regulations (SOR/2024-114) record a maximum cost of borrowing of $14 for each $100 advanced under SOR/2024-114.

The lower-middle band covers towns of moderate size, none of which sets its own lending rules.

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 credit file is compiled by private agencies from information lenders and other creditors report. An application usually asks for identification, income evidence, banking details and a statement of obligations.

Pelham is one of 527 covered Ontario places, counted at 18,192 residents with a land area of 126.3 square kilometres.

Pelham appears in the census record with 18,192 residents, and the density of 144.0 people per square kilometre follows from it.

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

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

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

At 18,192 residents in the 2021 Census, Pelham is listed alongside the other covered places in Ontario.

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

Pelham sits at rank 95 within Ontario in this data set, and the provincial rules apply as they do elsewhere.

Pelham ranks 95 by 2021 Census population among the covered places in Ontario.

The density figure for Pelham, 144.0 people per square kilometre, is calculated from the population and land area above.

The land area recorded for Pelham is 126.3 square kilometres, and the population is 18,192 residents in the 2021 Census.

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

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 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.