Borrowing in Pembroke, Ontario

A loan taken out in Pembroke is governed by Ontario's licensing rules, and the 2021 Census counted 14,364 people in the community.

Products compared here

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

• Emergency loans: Money for an urgent expense, and the order in which a sensible borrower works through the options.
• Unsecured loans: Borrowing with no asset pledged, priced for the risk the lender is taking on your file alone.

How borrowing works locally

Disclosure requirements mean the cost of borrowing must be stated before an agreement is signed.

A deposit or trade-in reduces the amount financed and therefore the interest charged over the term. A mortgage is registered against the property, which is what gives the lender its claim.

The Ontario rules that apply

Consumer lending in Ontario is licensed provincially or territorially, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators where the current position appears.

The federal Payday Lending Regulations (SOR/2024-114) list Ontario among the provinces that regulate payday lending, where the federal Payday Lending Regulations (SOR/2024-114) cap the cost of borrowing at $14 per $100 advanced.

Size changes the census figures, not the rules; this community falls in the lower-middle band.

The census figures for Pembroke

The 2021 Census counted 14,364 residents in Pembroke. Statistics Canada lists 14.3 square kilometres of land for the community.

Dividing population by land area gives 1003.1 residents per square kilometre, rounded to one decimal place.

Pembroke ranks 112 by population among the Ontario places on this site.

Pembroke sits at rank 112 among the 527 Ontario places here, with 14,364 residents in the 2021 Census.

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

The density figure for Pembroke, 1003.1 people per square kilometre, is calculated from the population and land area above.

Pembroke is one of 527 covered Ontario places, counted at 14,364 residents with a land area of 14.3 square kilometres.

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

The land area recorded for Pembroke is 14.3 square kilometres, and the population is 14,364 residents in the 2021 Census.

Pembroke ranks 112 by 2021 Census population among the covered places in Ontario.

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

At 14,364 residents in the 2021 Census, Pembroke is listed alongside the other covered places in Ontario.

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

Pembroke sits at rank 112 within Ontario in this data set, and the provincial rules apply as they do elsewhere.

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.

Compare the disclosure on any agreement against the provincial ceiling, and treat the census figures as the only local statistics on the page.