Borrowing in Balcarres, Saskatchewan

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

The Saskatchewan rules that apply

Consumer credit in Saskatchewan is licensed by the provincial or territorial regulator, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators.

In Saskatchewan, 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 under the federal limit (this province's own published limit is $17 per $100 advanced, the top of the range the Regulations describe) advanced under SOR/2024-114.

Places in the smallest population band are grouped here as small communities, and the pages carry the same census fields and the same provincial rules as the largest city.

The census figures for Balcarres

Statistics Canada's 2021 Census gives Balcarres a population of 616. 1.6 square kilometres of land are attributed to Balcarres.

That gives a density of 380.2 people per square kilometre, rounded to one decimal place.

By population it ranks 235 among the Saskatchewan places covered here.

Balcarres therefore appears at rank 235 of 733 covered Saskatchewan places, with a density of 380.2 people per square kilometre.

Products compared here

Two of the 20 covered products appear below, each with the purpose the product is designed for.

• 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.

How borrowing works locally

A provincial regulator publishes licensing requirements, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators.

A prepayment privilege allows a borrower to pay more than the scheduled amount, sometimes with a charge attached. Variable-rate products move with a reference rate, while fixed-rate products set the price for a defined term.

The density figure for Balcarres, 380.2 people per square kilometre, is calculated from the population and land area above.

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

Balcarres is one of 733 covered Saskatchewan places, counted at 616 residents with a land area of 1.6 square kilometres.

Balcarres sits at rank 235 within Saskatchewan in this data set, and the provincial rules apply as they do elsewhere.

Balcarres ranks 235 by 2021 Census population among the covered places in Saskatchewan.

Balcarres appears in the census record with 616 residents, and the density of 380.2 people per square kilometre follows from it.

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

The land area recorded for Balcarres is 1.6 square kilometres, and the population is 616 residents in the 2021 Census.

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

At 616 residents in the 2021 Census, Balcarres is listed alongside the other covered places in Saskatchewan.

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

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

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).

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