Borrowing in Laird No. 404, Saskatchewan

Laird No. 404 is one of the Saskatchewan places covered here, with 1,304 residents recorded in the 2021 Census and the same provincial rulebook as the rest of the province.

The census figures for Laird No. 404

The 2021 Census counted 1,304 residents in Laird No. 404. The community covers 725.4 square kilometres of land.

On those two figures, density is 1.8 residents per square kilometre when rounded to one decimal place.

The 2021 Census population places it at rank 76 in the province.

Within Saskatchewan, Laird No. 404 is place number 76 by population in this census set, at 1,304 residents.

Products compared here

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

• Bad credit loans: Borrowing when the credit file is damaged, and what changes about price and security as a result.
• Home equity loans: Converting property equity into credit, and the difference between a lump sum and a revolving limit.

The Saskatchewan rules that apply

Consumer lending in Saskatchewan is licensed provincially or territorially, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators where the current position appears.

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.

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

How borrowing works locally

A prepayment privilege allows a borrower to pay more than the scheduled amount, sometimes with a charge attached.

A shorter term raises each payment and lowers the total interest, which is the trade every schedule makes. A broker arranges credit but does not lend, and the lender remains the party that makes the decision.

At 1,304 residents in the 2021 Census, Laird No. 404 is listed alongside the other covered places in Saskatchewan.

The density figure for Laird No. 404, 1.8 people per square kilometre, is calculated from the population and land area above.

The land area recorded for Laird No. 404 is 725.4 square kilometres, and the population is 1,304 residents in the 2021 Census.

The Laird No. 404 page follows the same structure as every other place page, with population, land area, density and rank.

Readers comparing Laird No. 404 with another community can use the same four census fields.

For Laird No. 404, the two census fields above are the only local statistics used anywhere on the page.

Laird No. 404 appears in the census record with 1,304 residents, and the density of 1.8 people per square kilometre follows from it.

Laird No. 404 ranks 76 by 2021 Census population among the covered places in Saskatchewan.

Where a figure for Laird No. 404 could not be verified, the page names the publisher instead of printing a number.

Laird No. 404 sits at rank 76 within Saskatchewan in this data set, and the provincial rules apply as they do elsewhere.

Nothing on the Laird No. 404 page is estimated; the population and land area come from Statistics Canada's 2021 Census of Population.

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.