Borrowing in Emerald No. 277, Saskatchewan

With 370 residents counted in the 2021 Census, Emerald No. 277 sits inside Saskatchewan's provincial lending framework.

The census figures for Emerald No. 277

The 2021 Census counted 370 residents in Emerald No. 277. Statistics Canada lists 807.2 square kilometres of land for the community.

That gives a density of 0.5 people per square kilometre, rounded to one decimal place.

By population it ranks 403 among the Saskatchewan places covered here.

Within Saskatchewan, Emerald No. 277 is place number 403 by population in this census set, at 370 residents.

The Saskatchewan rules that apply

The body that licenses consumer lending in Saskatchewan is the regulator named on the federal Payday Lending Regulations (SOR/2024-114)'s list of provincial and territorial regulators.

The federal Payday Lending Regulations (SOR/2024-114) count Saskatchewan among the provinces with payday lending rules, where the published maximum cost of borrowing is $14 per $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.

How borrowing works locally

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

A payday advance is repaid on a pay date, while an instalment loan is repaid over a set number of payments. Adding a co-signer puts a second file in front of the lender and adds a second person to the obligation.

Products compared here

Among the 20 products compared here, these two are commonly used for the purposes described.

• Payday loans: Small, short-term advances against a pay date, the most tightly regulated product in Canadian consumer credit.
• No credit check loans: What lenders who advertise without a credit check actually look at instead, and where the cost goes.

For Emerald No. 277, the two census fields above are the only local statistics used anywhere on the page.

Where a figure for Emerald No. 277 could not be verified, the page names the publisher instead of printing a number.

The density figure for Emerald No. 277, 0.5 people per square kilometre, is calculated from the population and land area above.

The land area recorded for Emerald No. 277 is 807.2 square kilometres, and the population is 370 residents in the 2021 Census.

Emerald No. 277 is one of 733 covered Saskatchewan places, counted at 370 residents with a land area of 807.2 square kilometres.

Nothing on the Emerald No. 277 page is estimated; the population and land area come from Statistics Canada's 2021 Census of Population.

Readers comparing Emerald No. 277 with another community can use the same four census fields.

Emerald No. 277 appears in the census record with 370 residents, and the density of 0.5 people per square kilometre follows from it.

At 370 residents in the 2021 Census, Emerald No. 277 is listed alongside the other covered places in Saskatchewan.

Emerald No. 277 ranks 403 by 2021 Census population among the covered places in Saskatchewan.

The Emerald No. 277 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.

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.

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