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Borrowing in New Brunswick

New Brunswick licenses consumer credit at the provincial level, and payday lending is capped at $14 per $100 advanced by SOR/2024-114 according to the federal Payday Lending Regulations (SOR/2024-114), though a lower provincial cap may apply.

Regulator See the FCAC list
Cities with pages 256
Payday lending A licensed payday regime operates here. the federal Payday Lending Regulations (SOR/2024-114) cap the total cost of borrowing at $14 per $100 advanced, and a province may set a lower figure, and the lower figure applies. Confirm the cap currently in force with the provincial regulator.

Lending in New Brunswick is regulated at the provincial or territorial level, and that single fact explains most of the difference between an offer made in Fredericton and one made elsewhere.

Licensing and disclosure in New Brunswick

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

Short-term credit rules in New Brunswick

A payday advance in New Brunswick falls under a provincial licensing regime, and the cost of borrowing is capped at $14 per $100 advanced according to the federal Payday Lending Regulations (SOR/2024-114).

The census list for New Brunswick

This page set covers 256 places in New Brunswick, and the largest by 2021 Census population is Moncton, with 79,470 residents.

  • Moncton: 79,470 residents; 140.7 square kilometres; density 564.9 people per square kilometre.
  • Saint John: 69,895 residents; 315.6 square kilometres; density 221.5 people per square kilometre.
  • Fredericton: 63,116 residents; 133.9 square kilometres; density 471.3 people per square kilometre.
  • Dieppe: 28,114 residents; 77.0 square kilometres; density 365.0 people per square kilometre.
  • Riverview: 20,584 residents; 34.1 square kilometres; density 603.6 people per square kilometre.
  • Quispamsis: population 18,768; land area 57.0 square kilometres; density 329.4 people per square kilometre.
  • Miramichi: population 17,692; land area 179.0 square kilometres; density 98.8 people per square kilometre.
  • Edmundston: population 16,437; land area 106.8 square kilometres; density 153.8 people per square kilometre.
  • Tracadie: population 16,043; land area 516.5 square kilometres; density 31.1 people per square kilometre.
  • Bathurst: population 12,157; land area 91.6 square kilometres; density 132.7 people per square kilometre.

Borrowing products with New Brunswick pages

Nationally the site compares 20 products, and each one has its own New Brunswick page so the provincial rule is read alongside the product.

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).

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

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

The New Brunswick coverage includes the capital, Fredericton, among the places counted by the 2021 Census.

The New Brunswick record names Fredericton as its capital, and the covered place list starts with Moncton at 79,470 residents.

The New Brunswick place list runs from Moncton at 79,470 residents to Buctouche 16 at 101, all counted in the 2021 Census.

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

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

New Brunswick is one of the provinces and territories covered by these pages, and the capital named in the record is Fredericton.

The capital recorded for New Brunswick is Fredericton, and the largest covered place is Moncton at 79,470 residents.

New Brunswick is listed in this data set with 256 covered places, from Moncton to Buctouche 16.

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

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

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

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

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

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

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

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

For New Brunswick, the coverage runs to 256 places, from Moncton at 79,470 residents to Buctouche 16 at 101.

For New Brunswick, the page records the provincial regulator position, the payday position, 256 covered places and the product list.

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

The record for New Brunswick names Fredericton as the capital and Moncton as the largest covered place, at 79,470 residents.

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

Every province page uses the same structure, which makes the differences visible: the regulator, the payday rule, the places covered, and the products people compare.

20 products in New Brunswick

Personal loans A fixed sum repaid on a schedule, usually unsecured, for almost any purpose a lender will accept. Bad credit loans Borrowing when the credit file is damaged, and what changes about price and security as a result. No credit check loans What lenders who advertise without a credit check actually look at instead, and where the cost goes. Lines of credit A revolving limit you draw on and repay, usually paying interest only on what is outstanding. Unsecured loans Borrowing with no asset pledged, priced for the risk the lender is taking on your file alone. Secured loans Borrowing against an asset, which lowers the price but puts the asset at risk if you default. Car loans Financing a vehicle, including the effect of trade-in equity, negative equity and dealer-arranged credit. Mortgage loans Borrowing against residential property, including how a federally regulated lender tests the file. Home equity loans Converting property equity into credit, and the difference between a lump sum and a revolving limit. Mortgage refinancing Replacing an existing mortgage to change the rate, the term or the amount borrowed, and what it costs. Home renovation loans Paying for work on a property, from a small unsecured instalment loan to a secured renovation product. Business loans Commercial borrowing, what lenders read in a business file, and how the assessment differs from personal credit. Business lines of credit A revolving operating limit for a business, and why it behaves differently from a term loan. Debt consolidation loans Replacing several expensive debts with one payment, and the arithmetic that decides whether it helps. Debt relief programs The formal and informal routes out of unmanageable debt in Canada, and who is licensed to run them. Payday loans Small, short-term advances against a pay date, the most tightly regulated product in Canadian consumer credit. Cash advance loans Immediate short-term cash, including the difference between a cash advance on credit and a payday-style advance. Emergency loans Money for an urgent expense, and the order in which a sensible borrower works through the options. Instalment loans A fixed number of fixed payments, sized larger and longer than a payday advance. Collateral loans Borrowing against an asset a lender will hold, from vehicles to savings, and what happens on default.

Cities in New Brunswick

All 256 cities in New Brunswick

Population and land area: Statistics Canada, Census of Population 2021, table 98-10-0002.

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