Borrowing in James Smith 100, Saskatchewan

James Smith 100 is one of the Saskatchewan communities covered here, with a 2021 Census population of 850, and borrowing there is licensed under Saskatchewan's consumer credit rules.

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.

Payday lending is licensed in Saskatchewan; the federal Payday Lending Regulations (SOR/2024-114) publish a cap of $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, and notes that a province may set a lower figure.

This is a small community by population, inside the lowest band used on this site, and the provincial framework applies without variation.

The census figures for James Smith 100

Statistics Canada's 2021 Census gives James Smith 100 a population of 850. The community covers 70.1 square kilometres of land.

The calculated density is 12.1 people per square kilometre.

By population it ranks 157 among the Saskatchewan places covered here.

Within Saskatchewan, James Smith 100 is place number 157 by population in this census set, at 850 residents.

Products compared here

These are two of the 20 products described on the site, and each has a national page as well as the provincial rules.

• Secured loans: Borrowing against an asset, which lowers the price but puts the asset at risk if you default.
• Business lines of credit: A revolving operating limit for a business, and why it behaves differently from a term loan.

How borrowing works locally

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

A lender's assessment looks at income, existing obligations, the credit file, and the asset pledged where there is one. A credit file is compiled by private agencies from information lenders and other creditors report.

Nothing on the James Smith 100 page is estimated; the population and land area come from Statistics Canada's 2021 Census of Population.

Where a figure for James Smith 100 could not be verified, the page names the publisher instead of printing a number.

James Smith 100 ranks 157 by 2021 Census population among the covered places in Saskatchewan.

The James Smith 100 page follows the same structure as every other place page, with population, land area, density and rank.

The density figure for James Smith 100, 12.1 people per square kilometre, is calculated from the population and land area above.

For James Smith 100, the two census fields above are the only local statistics used anywhere on the page.

The land area recorded for James Smith 100 is 70.1 square kilometres, and the population is 850 residents in the 2021 Census.

James Smith 100 appears in the census record with 850 residents, and the density of 12.1 people per square kilometre follows from it.

James Smith 100 is one of 733 covered Saskatchewan places, counted at 850 residents with a land area of 70.1 square kilometres.

Readers comparing James Smith 100 with another community can use the same four census fields.

James Smith 100 sits at rank 157 within Saskatchewan in this data set, and the provincial rules apply as they do elsewhere.

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).

The provincial rules apply wherever a borrower is in Saskatchewan; a municipal boundary does not change them.