Borrowing in Spiritwood No. 496, Saskatchewan

Spiritwood No. 496 is one of the Saskatchewan communities covered here, with a 2021 Census population of 1,245, and borrowing there is licensed under Saskatchewan's consumer credit rules.

The census figures for Spiritwood No. 496

1,245 people were counted in Spiritwood No. 496 in the 2021 Census. The community covers 2371.0 square kilometres of land.

The arithmetic gives 0.5 people per square kilometre.

The 2021 Census population places it at rank 88 in the province.

Spiritwood No. 496 is one of 733 places listed for Saskatchewan, ranked 88 by population and measured at 2371.0 square kilometres.

Products compared here

The product pages behind this city cover the following borrowing categories, among the 20 products compared nationally.

• Mortgage loans: Borrowing against residential property, including how a federally regulated lender tests the file.
• Debt relief programs: The formal and informal routes out of unmanageable debt in Canada, and who is licensed to run them.

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.

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).

Communities of this size are listed here with population, land area and density, and the lending rules remain provincial.

How borrowing works locally

A payday advance is repaid on a pay date, while an instalment loan is repaid over a set number of payments.

A lender is free to set its own price below the legal ceiling, and it does so according to the risk it reads in the file. Joint applications combine two incomes and two sets of obligations in the same assessment.

The density figure for Spiritwood No. 496, 0.5 people per square kilometre, is calculated from the population and land area above.

At 1,245 residents in the 2021 Census, Spiritwood No. 496 is listed alongside the other covered places in Saskatchewan.

Spiritwood No. 496 ranks 88 by 2021 Census population among the covered places in Saskatchewan.

Nothing on the Spiritwood No. 496 page is estimated; the population and land area come from Statistics Canada's 2021 Census of Population.

Spiritwood No. 496 sits at rank 88 within Saskatchewan in this data set, and the provincial rules apply as they do elsewhere.

The land area recorded for Spiritwood No. 496 is 2371.0 square kilometres, and the population is 1,245 residents in the 2021 Census.

Where a figure for Spiritwood No. 496 could not be verified, the page names the publisher instead of printing a number.

Readers comparing Spiritwood No. 496 with another community can use the same four census fields.

For Spiritwood No. 496, the two census fields above are the only local statistics used anywhere on the page.

The Spiritwood No. 496 page follows the same structure as every other place page, with population, land area, density and rank.

Spiritwood No. 496 is one of 733 covered Saskatchewan places, counted at 1,245 residents with a land area of 2371.0 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.

Statistics Canada's 2021 Census of Population supplies the population and land-area figures, and the federal Payday Lending Regulations (SOR/2024-114) supply the payday position.

Compare the disclosure on any agreement against the provincial ceiling, and treat the census figures as the only local statistics on the page.