Borrowing in Manitoba

Consumer credit in Manitoba is licensed at the provincial or territorial level rather than by the federal government, so a loan signed in Winnipeg is governed first by Manitoba's own consumer protection rules.

The provincial regulator for Manitoba

Consumer lending in Manitoba 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.

What the payday rules say in Manitoba

Payday lending is licensed in Manitoba; 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.

Communities covered in Manitoba

Coverage in Manitoba runs to 203 places, from Roseau Rapids 2A at the smaller end to Winnipeg at 749,607 residents.

• Winnipeg: 749,607 residents; 461.8 square kilometres; density 1623.3 people per square kilometre.
• Brandon: 51,313 residents; 79.0 square kilometres; density 649.2 people per square kilometre.
• Steinbach: 17,806 residents; 37.6 square kilometres; density 474.1 people per square kilometre.
• Hanover: 17,216 residents; 730.4 square kilometres; density 23.6 people per square kilometre.
• Springfield: 16,142 residents; 1096.2 square kilometres; density 14.7 people per square kilometre.

• Winkler: population 13,745; land area 20.7 square kilometres; density 663.0 people per square kilometre.
• Portage la Prairie: population 13,270; land area 24.7 square kilometres; density 536.8 people per square kilometre.
• Thompson: population 13,035; land area 16.6 square kilometres; density 784.3 people per square kilometre.
• Taché: population 11,916; land area 580.6 square kilometres; density 20.5 people per square kilometre.
• St. Andrews: population 11,723; land area 739.6 square kilometres; density 15.9 people per square kilometre.

Borrowing products with Manitoba pages

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

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).

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

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

For Manitoba, the smallest covered place is Roseau Rapids 2A at 100 residents, and the largest is Winnipeg at 749,607.

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

The Manitoba place list runs from Winnipeg at 749,607 residents to Roseau Rapids 2A at 100, all counted in the 2021 Census.

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

Every figure in the Manitoba entry carries a publisher, and no figure is estimated.

The Manitoba coverage includes the capital, Winnipeg, among the places counted by the 2021 Census.

The Manitoba record names Winnipeg as its capital, and the covered place list starts with Winnipeg at 749,607 residents.

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

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

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

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

The capital recorded for Manitoba is Winnipeg, and the largest covered place is Winnipeg at 749,607 residents.

Manitoba is listed in this data set with 203 covered places, from Winnipeg to Roseau Rapids 2A.

Manitoba is one of the provinces and territories covered by these pages, and the capital named in the record is Winnipeg.

Readers can move from the Manitoba page to any covered place page without leaving the same structure.

The Manitoba entry records the regulator position, the payday position, the covered places and the products.

Manitoba is listed here with the same fields as every other province page: regulator, payday position, places and products.

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

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

The provincial position described for Manitoba applies to every covered place in the list, including Winnipeg and Roseau Rapids 2A.

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

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

How to read this page

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 on this page come from Statistics Canada's 2021 Census of Population, and regulatory statements are attributed to the body that publishes them.