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Borrowing in St. Joseph, Ontario

Population 1,426, land area 127.7 square kilometres: the census facts for St. Joseph, plus how consumer credit is regulated in Ontario.

Province Ontario (ON)
Population, 2021 Census 1,426
Land area 127.7 km²
Provincial regulator See the FCAC list

This page covers borrowing in St. Joseph, Ontario: the census facts, the provincial rules, and the products people compare.

The census figures for St. Joseph

1,426 people were counted in St. Joseph in the 2021 Census. 127.7 square kilometres of land are attributed to St. Joseph.

The arithmetic gives 11.2 people per square kilometre.

St. Joseph ranks 330 by population among the Ontario places on this site.

Within Ontario, St. Joseph is place number 330 by population in this census set, at 1,426 residents.

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 Ontario rules that apply

The regulator for consumer credit in Ontario is the body listed by the federal Payday Lending Regulations (SOR/2024-114) 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 lowest band groups villages, rural municipalities and small towns, all read against the same provincial rulebook.

How borrowing works locally

A prepayment privilege allows a borrower to pay more than the scheduled amount, sometimes with a charge attached.

An application usually asks for identification, income evidence, banking details and a statement of obligations. Payment history is reported to credit agencies, and that record is what builds or damages a credit file over time.

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

St. Joseph ranks 330 by 2021 Census population among the covered places in Ontario.

The density figure for St. Joseph, 11.2 people per square kilometre, is calculated from the population and land area above.

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

St. Joseph sits at rank 330 within Ontario in this data set, and the provincial rules apply as they do elsewhere.

At 1,426 residents in the 2021 Census, St. Joseph is listed alongside the other covered places in Ontario.

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

The land area recorded for St. Joseph is 127.7 square kilometres, and the population is 1,426 residents in the 2021 Census.

St. Joseph appears in the census record with 1,426 residents, and the density of 11.2 people per square kilometre follows from it.

St. Joseph is one of 527 covered Ontario places, counted at 1,426 residents with a land area of 127.7 square kilometres.

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

Nothing on the St. Joseph 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.

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.

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.

Population and land area: Statistics Canada, Census of Population 2021, table 98-10-0002.

Borrowing in St. Joseph

Personal loans A fixed sum repaid on a schedule, usually unsecured, for almost any purpose a lender will accept. Bad credit loans Borrowing when the credit file is damaged, and what changes about price and security as a result. No credit check loans What lenders who advertise without a credit check actually look at instead, and where the cost goes. Lines of credit A revolving limit you draw on and repay, usually paying interest only on what is outstanding. Unsecured loans Borrowing with no asset pledged, priced for the risk the lender is taking on your file alone. Secured loans Borrowing against an asset, which lowers the price but puts the asset at risk if you default. Car loans Financing a vehicle, including the effect of trade-in equity, negative equity and dealer-arranged credit. Mortgage loans Borrowing against residential property, including how a federally regulated lender tests the file. Home equity loans Converting property equity into credit, and the difference between a lump sum and a revolving limit. Mortgage refinancing Replacing an existing mortgage to change the rate, the term or the amount borrowed, and what it costs. Home renovation loans Paying for work on a property, from a small unsecured instalment loan to a secured renovation product. Business loans Commercial borrowing, what lenders read in a business file, and how the assessment differs from personal credit. Business lines of credit A revolving operating limit for a business, and why it behaves differently from a term loan. Debt consolidation loans Replacing several expensive debts with one payment, and the arithmetic that decides whether it helps. Debt relief programs The formal and informal routes out of unmanageable debt in Canada, and who is licensed to run them. Payday loans Small, short-term advances against a pay date, the most tightly regulated product in Canadian consumer credit. Cash advance loans Immediate short-term cash, including the difference between a cash advance on credit and a payday-style advance. Emergency loans Money for an urgent expense, and the order in which a sensible borrower works through the options. Instalment loans A fixed number of fixed payments, sized larger and longer than a payday advance. Collateral loans Borrowing against an asset a lender will hold, from vehicles to savings, and what happens on default.

Nearby places

Toronto 2,794,356 Ottawa 1,017,449 Mississauga 717,961 Brampton 656,480 Hamilton 569,353 London 422,324

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