Borrowing in St. Catharines, Ontario

With 136,803 residents counted in the 2021 Census, St. Catharines sits inside Ontario's provincial lending framework.

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.

How borrowing works locally

Joint applications combine two incomes and two sets of obligations in the same assessment.

A shorter term raises each payment and lowers the total interest, which is the trade every schedule makes. A broker arranges credit but does not lend, and the lender remains the party that makes the decision.

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.

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).

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

The census figures for St. Catharines

St. Catharines recorded a population of 136,803 in Statistics Canada's 2021 Census of Population. Land area for St. Catharines is 96.2 square kilometres in the same census.

Dividing population by land area gives 1422.1 residents per square kilometre, rounded to one decimal place.

The 2021 Census population places it at rank 20 in the province.

St. Catharines is one of 527 places listed for Ontario, ranked 20 by population and measured at 96.2 square kilometres.

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

St. Catharines is one of 527 covered Ontario places, counted at 136,803 residents with a land area of 96.2 square kilometres.

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

At 136,803 residents in the 2021 Census, St. Catharines is listed alongside the other covered places in Ontario.

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

The land area recorded for St. Catharines is 96.2 square kilometres, and the population is 136,803 residents in the 2021 Census.

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

St. Catharines sits at rank 20 within Ontario in this data set, and the provincial rules apply as they do elsewhere.

St. Catharines appears in the census record with 136,803 residents, and the density of 1422.1 people per square kilometre follows from it.

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

The density figure for St. Catharines, 1422.1 people per square kilometre, is calculated from the population and land area above.

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.