Borrowing in Kivimaa-Moonlight Bay, Saskatchewan

Kivimaa-Moonlight Bay, Saskatchewan, recorded a population of 137 in the 2021 Census; the rules that govern a loan signed there are provincial.

How borrowing works locally

Variable-rate products move with a reference rate, while fixed-rate products set the price for a defined term.

Interest on a line of credit accrues only on the drawn portion, not on the unused limit. A shorter term raises each payment and lowers the total interest, which is the trade every schedule makes.

Products compared here

Each product below has its own page, and the Saskatchewan position applies to all of them.

• Personal loans: A fixed sum repaid on a schedule, usually unsecured, for almost any purpose a lender will accept.
• Mortgage loans: Borrowing against residential property, including how a federally regulated lender tests the file.

The census figures for Kivimaa-Moonlight Bay

137 people were counted in Kivimaa-Moonlight Bay in the 2021 Census. The census records a land area of 0.6 square kilometres for Kivimaa-Moonlight Bay.

Dividing population by land area gives 240.4 residents per square kilometre, rounded to one decimal place.

Among covered Saskatchewan places, Kivimaa-Moonlight Bay sits at rank 680 by population.

Kivimaa-Moonlight Bay sits at rank 680 among the 733 Saskatchewan places here, with 137 residents in the 2021 Census.

The Saskatchewan rules that apply

Licensing for consumer credit in Saskatchewan sits with the province or territory, and the Financial Consumer Agency of Canada maintains the public 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).

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.

Readers comparing Kivimaa-Moonlight Bay with another community can use the same four census fields.

The density figure for Kivimaa-Moonlight Bay, 240.4 people per square kilometre, is calculated from the population and land area above.

Kivimaa-Moonlight Bay ranks 680 by 2021 Census population among the covered places in Saskatchewan.

Kivimaa-Moonlight Bay appears in the census record with 137 residents, and the density of 240.4 people per square kilometre follows from it.

The land area recorded for Kivimaa-Moonlight Bay is 0.6 square kilometres, and the population is 137 residents in the 2021 Census.

For Kivimaa-Moonlight Bay, the two census fields above are the only local statistics used anywhere on the page.

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

Kivimaa-Moonlight Bay sits at rank 680 within Saskatchewan in this data set, and the provincial rules apply as they do elsewhere.

Kivimaa-Moonlight Bay is one of 733 covered Saskatchewan places, counted at 137 residents with a land area of 0.6 square kilometres.

The Kivimaa-Moonlight Bay page follows the same structure as every other place page, with population, land area, density and rank.

Where a figure for Kivimaa-Moonlight Bay could not be verified, the page names the publisher instead of printing a number.

At 137 residents in the 2021 Census, Kivimaa-Moonlight Bay is listed alongside the other covered places in Saskatchewan.

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.