Borrowing in Esterhazy, Saskatchewan

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

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.

A payday advance in Saskatchewan falls under a provincial licensing regime, and the cost of borrowing is capped at $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 according to the federal Payday Lending Regulations (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 secured product gives the lender a claim on a named asset, which is why its price is usually lower than an unsecured equivalent.

Payment history is reported to credit agencies, and that record is what builds or damages a credit file over time. A lender may ask for proof of address, and a permanent address is a standard requirement for consumer credit.

The census figures for Esterhazy

Statistics Canada's 2021 Census gives Esterhazy a population of 2,345. Statistics Canada lists 5.6 square kilometres of land for the community.

On those two figures, density is 421.8 residents per square kilometre when rounded to one decimal place.

The community is the 35th largest place in the province within this census set.

Compared with the other 733 covered Saskatchewan places, Esterhazy ranks 35 by population.

Products compared here

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

• Cash advance loans: Immediate short-term cash, including the difference between a cash advance on credit and a payday-style advance.
• Lines of credit: A revolving limit you draw on and repay, usually paying interest only on what is outstanding.

Esterhazy sits at rank 35 within Saskatchewan in this data set, and the provincial rules apply as they do elsewhere.

At 2,345 residents in the 2021 Census, Esterhazy is listed alongside the other covered places in Saskatchewan.

The land area recorded for Esterhazy is 5.6 square kilometres, and the population is 2,345 residents in the 2021 Census.

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

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

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

Esterhazy is one of 733 covered Saskatchewan places, counted at 2,345 residents with a land area of 5.6 square kilometres.

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

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

Esterhazy ranks 35 by 2021 Census population among the covered places in Saskatchewan.

The density figure for Esterhazy, 421.8 people per square kilometre, is calculated from the population and land area above.

Esterhazy appears in the census record with 2,345 residents, and the density of 421.8 people per square kilometre follows from it.

loanmoose.ca is not a lender and does not make credit decisions. The lowest rates are only available to the most qualified applicants.

Census figures are from Statistics Canada's 2021 Census of Population, and the payday position is taken from the federal Payday Lending Regulations (SOR/2024-114).

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