Borrowing in Semans, Saskatchewan

Semans is one of the Saskatchewan communities covered here, with a 2021 Census population of 180, and borrowing there is licensed under Saskatchewan's consumer credit rules.

The Saskatchewan rules that apply

Consumer credit in Saskatchewan is licensed by the provincial or territorial regulator, and the Financial Consumer Agency of Canada publishes the 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 Semans

Semans recorded a population of 180 in Statistics Canada's 2021 Census of Population. Statistics Canada lists 1.1 square kilometres of land for the community.

That gives a density of 166.7 people per square kilometre, rounded to one decimal place.

By population it ranks 624 among the Saskatchewan places covered here.

The place record for Semans covers 1.1 square kilometres and 180 residents, a density of 166.7 people per square kilometre.

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.

• Unsecured loans: Borrowing with no asset pledged, priced for the risk the lender is taking on your file alone.
• Business loans: Commercial borrowing, what lenders read in a business file, and how the assessment differs from personal credit.

How borrowing works locally

A revolving product charges interest on the outstanding balance, while an instalment product charges a fixed schedule of payments.

Variable-rate products move with a reference rate, while fixed-rate products set the price for a defined term. Debt management plans are administered by accredited credit counsellors, and they are not loans.

Semans sits at rank 624 within Saskatchewan in this data set, and the provincial rules apply as they do elsewhere.

Semans appears in the census record with 180 residents, and the density of 166.7 people per square kilometre follows from it.

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

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

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

At 180 residents in the 2021 Census, Semans is listed alongside the other covered places in Saskatchewan.

Semans is one of 733 covered Saskatchewan places, counted at 180 residents with a land area of 1.1 square kilometres.

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

The density figure for Semans, 166.7 people per square kilometre, is calculated from the population and land area above.

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

Semans ranks 624 by 2021 Census population among the 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.

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.