Borrowing in Windsor, Ontario

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

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.

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.

At this size the census figures are large, but the licensing position is the same provincial one.

How borrowing works locally

A payday advance is repaid on a pay date, while an instalment loan is repaid over a set number of payments.

A lender's assessment looks at income, existing obligations, the credit file, and the asset pledged where there is one. Interest on a line of credit accrues only on the drawn portion, not on the unused limit.

The census figures for Windsor

229,660 people were counted in Windsor in the 2021 Census. 146.0 square kilometres of land are attributed to Windsor.

The calculated density is 1572.8 people per square kilometre.

The community is the 10th largest place in the province within this census set.

The place record for Windsor covers 146.0 square kilometres and 229,660 residents, a density of 1572.8 people per square kilometre.

Products compared here

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

• Mortgage refinancing: Replacing an existing mortgage to change the rate, the term or the amount borrowed, and what it costs.
• Cash advance loans: Immediate short-term cash, including the difference between a cash advance on credit and a payday-style advance.

Windsor appears in the census record with 229,660 residents, and the density of 1572.8 people per square kilometre follows from it.

Windsor is one of 527 covered Ontario places, counted at 229,660 residents with a land area of 146.0 square kilometres.

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

Windsor ranks 10 by 2021 Census population among the covered places in Ontario.

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

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

Windsor sits at rank 10 within Ontario in this data set, and the provincial rules apply as they do elsewhere.

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

At 229,660 residents in the 2021 Census, Windsor is listed alongside the other covered places in Ontario.

The density figure for Windsor, 1572.8 people per square kilometre, is calculated from the population and land area above.

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

The land area recorded for Windsor is 146.0 square kilometres, and the population is 229,660 residents in the 2021 Census.

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.