Borrowing in St. Theresa Point, Manitoba

A loan taken out in St. Theresa Point is governed by Manitoba's licensing rules, and the 2021 Census counted 3,417 people in the community.

The census figures for St. Theresa Point

Statistics Canada's 2021 Census gives St. Theresa Point a population of 3,417. 147.9 square kilometres of land are attributed to St. Theresa Point.

That gives a density of 23.1 people per square kilometre, rounded to one decimal place.

Its provincial population rank is 43 within this data set.

Compared with the other 203 covered Manitoba places, St. Theresa Point ranks 43 by population.

The Manitoba rules that apply

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.

In Manitoba, payday lending operates under a licensed provincial regime, and the federal Payday Lending Regulations (SOR/2024-114) record a maximum cost of borrowing of $14 for each $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 under SOR/2024-114.

At the small end of the census range, the community still borrows inside the province's licensing system.

How borrowing works locally

Provincial licensing decides who may lend, and federal rules add a ceiling where a licensed payday regime exists.

A credit file is compiled by private agencies from information lenders and other creditors report. A lender's assessment looks at income, existing obligations, the credit file, and the asset pledged where there is one.

Products compared here

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

• Business lines of credit: A revolving operating limit for a business, and why it behaves differently from a term loan.
• Collateral loans: Borrowing against an asset a lender will hold, from vehicles to savings, and what happens on default.

The land area recorded for St. Theresa Point is 147.9 square kilometres, and the population is 3,417 residents in the 2021 Census.

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

St. Theresa Point sits at rank 43 within Manitoba in this data set, and the provincial rules apply as they do elsewhere.

St. Theresa Point is one of 203 covered Manitoba places, counted at 3,417 residents with a land area of 147.9 square kilometres.

St. Theresa Point ranks 43 by 2021 Census population among the covered places in Manitoba.

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

At 3,417 residents in the 2021 Census, St. Theresa Point is listed alongside the other covered places in Manitoba.

St. Theresa Point appears in the census record with 3,417 residents, and the density of 23.1 people per square kilometre follows from it.

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

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

Readers comparing St. Theresa Point with another community can use the same four census fields.

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 come from Statistics Canada's 2021 Census of Population; regulatory statements are attributed to the federal Payday Lending Regulations (SOR/2024-114).

Lending rules change, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators where the current position is confirmed.