Borrowing in Alberta

Borrowing in Alberta sits inside a provincial or territorial rulebook that decides who may lend, what must be disclosed, and what a short-term payday advance may cost.

Licensing and disclosure in Alberta

Licensing for consumer credit in Alberta sits with the province or territory, and the Financial Consumer Agency of Canada maintains the public list of provincial and territorial regulators.

Payday lending in Alberta

The federal Payday Lending Regulations (SOR/2024-114) count Alberta among the provinces with payday lending rules, where the published maximum cost of borrowing is $14 per $100 advanced under SOR/2024-114.

The places covered here

361 Alberta communities have pages here, and the population leader is Calgary with 1,306,784 residents in the 2021 Census.

• Calgary: 1,306,784 residents; 820.6 square kilometres; density 1592.4 people per square kilometre.
• Edmonton: 1,010,899 residents; 765.6 square kilometres; density 1320.4 people per square kilometre.
• Red Deer: 100,844 residents; 104.3 square kilometres; density 966.5 people per square kilometre.
• Strathcona County: 99,225 residents; 1170.7 square kilometres; density 84.8 people per square kilometre.
• Lethbridge: 98,406 residents; 121.1 square kilometres; density 812.5 people per square kilometre.

• Airdrie: population 74,100; land area 84.4 square kilometres; density 878.1 people per square kilometre.
• Wood Buffalo: population 72,326; land area 60843.9 square kilometres; density 1.2 people per square kilometre.
• St. Albert: population 68,232; land area 47.8 square kilometres; density 1426.3 people per square kilometre.
• Grande Prairie: population 64,141; land area 132.7 square kilometres; density 483.3 people per square kilometre.
• Medicine Hat: population 63,271; land area 112.0 square kilometres; density 565.1 people per square kilometre.

The product range

20 product pages exist for each province, covering personal, secured, mortgage, business, debt and payday borrowing.

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).

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

A reader comparing Alberta with a neighbouring province will find the same payday and licensing blocks in the same order.

Alberta appears in this data set with 361 covered places, and the provincial rules described here apply across all of them.

Alberta is one of the jurisdictions covered here, and the page uses the same four blocks as every other: regulation, payday rules, places and products.

Alberta is described here using census figures for its places and the payday position published by the federal Payday Lending Regulations (SOR/2024-114).

The Alberta coverage includes the capital, Edmonton, among the places counted by the 2021 Census.

Population and land area for the places in Alberta come from Statistics Canada; the payday position comes from the federal Payday Lending Regulations (SOR/2024-114).

The Alberta page belongs to a set that follows one structure for every province and territory.

The Alberta figures on this page come from the 2021 Census of Population and from the federal Payday Lending Regulations (SOR/2024-114).

Alberta is covered here with the census record for its places and the published financial position.

For Alberta, the coverage runs to 361 places, from Calgary at 1,306,784 residents to Mewatha Beach at 103.

Alberta is listed in this data set with 361 covered places, from Calgary to Mewatha Beach.

No figure on the Alberta page is drawn from advertising; every number carries Statistics Canada or the federal Payday Lending Regulations (SOR/2024-114) its source.

For Alberta, the census record and the payday position are published by different bodies, and both are named on this page.

Anyone comparing Alberta with another province can read the same structure: regulator, payday rule, places and products.

The Alberta page describes how the rules work rather than what any reader should do.

The Alberta page does not rank the places by anything except the 2021 Census population supplied by Statistics Canada.

The capital recorded for Alberta is Edmonton, and the largest covered place is Calgary at 1,306,784 residents.

The provincial position described for Alberta applies to every covered place in the list, including Calgary and Mewatha Beach.

The Alberta place list runs from Calgary at 1,306,784 residents to Mewatha Beach at 103, all counted in the 2021 Census.

For Alberta, the page records the provincial regulator position, the payday position, 361 covered places and the product list.

Coverage for Alberta is drawn from the 2021 Census of Population and from the federal Payday Lending Regulations (SOR/2024-114).

The record for Alberta names Edmonton as the capital and Calgary as the largest covered place, at 1,306,784 residents.

Nothing on the Alberta page is estimated; the place figures come from Statistics Canada and the payday position from the federal Payday Lending Regulations (SOR/2024-114).

What loanmoose.ca does

loanmoose.ca is not a lender and does not make credit decisions. The lowest rates are only available to the most qualified applicants.

Where a figure could not be verified against the publisher's own publication, this page names the publisher and leaves the number out rather than estimating it.