Borrowing in Humboldt, Saskatchewan

With 6,033 residents counted in the 2021 Census, Humboldt sits inside Saskatchewan's provincial lending framework.

Products compared here

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

• 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 shorter term raises each payment and lowers the total interest, which is the trade every schedule makes.

A consumer proposal or a bankruptcy is administered by a licensed insolvency trustee rather than by a lender. Disclosure requirements mean the cost of borrowing must be stated before an agreement is signed.

The Saskatchewan rules that apply

Provincial or territorial law decides who may lend in Saskatchewan, and the Financial Consumer Agency of Canada publishes the list that names the regulator responsible.

The federal payday lending regulations, SOR/2024-114, cap the cost of borrowing 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 in Saskatchewan, which the federal Payday Lending Regulations (SOR/2024-114) list as a province that regulates the product.

The lower-middle band covers towns of moderate size, none of which sets its own lending rules.

The census figures for Humboldt

Humboldt recorded a population of 6,033 in Statistics Canada's 2021 Census of Population. Land area for Humboldt is 13.3 square kilometres in the same census.

On those two figures, density is 453.6 residents per square kilometre when rounded to one decimal place.

The community is the 14th largest place in the province within this census set.

Humboldt sits at rank 14 among the 733 Saskatchewan places here, with 6,033 residents in the 2021 Census.

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

Humboldt appears in the census record with 6,033 residents, and the density of 453.6 people per square kilometre follows from it.

Humboldt ranks 14 by 2021 Census population among the covered places in Saskatchewan.

At 6,033 residents in the 2021 Census, Humboldt is listed alongside the other covered places in Saskatchewan.

The land area recorded for Humboldt is 13.3 square kilometres, and the population is 6,033 residents in the 2021 Census.

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

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

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

The density figure for Humboldt, 453.6 people per square kilometre, is calculated from the population and land area above.

Humboldt sits at rank 14 within Saskatchewan in this data set, and the provincial rules apply as they do elsewhere.

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

Humboldt is one of 733 covered Saskatchewan places, counted at 6,033 residents with a land area of 13.3 square kilometres.

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 Saskatchewan; a municipal boundary does not change them.