Borrowing in Swan River, Manitoba

This page covers borrowing in Swan River, Manitoba: the census facts, the provincial rules, and the products people compare.

The Manitoba rules that apply

The body that licenses consumer lending in Manitoba is the regulator named on the federal Payday Lending Regulations (SOR/2024-114)'s list of provincial and territorial regulators.

The federal Payday Lending Regulations (SOR/2024-114) count Manitoba among the provinces with payday lending rules, where the published maximum cost of borrowing is $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 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

An application usually asks for identification, income evidence, banking details and a statement of obligations.

Debt management plans are administered by accredited credit counsellors, and they are not loans. A deposit or trade-in reduces the amount financed and therefore the interest charged over the term.

The census figures for Swan River

Swan River recorded a population of 4,049 in Statistics Canada's 2021 Census of Population. 6.8 square kilometres of land are attributed to Swan River.

On those two figures, density is 594.6 residents per square kilometre when rounded to one decimal place.

The 2021 Census population places it at rank 36 in the province.

Swan River sits at rank 36 among the 203 Manitoba places here, with 4,049 residents in the 2021 Census.

Products compared here

The site describes 20 products in total; the two below are representative of the range.

• Personal loans: A fixed sum repaid on a schedule, usually unsecured, for almost any purpose a lender will accept.
• Mortgage loans: Borrowing against residential property, including how a federally regulated lender tests the file.

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

Swan River is one of 203 covered Manitoba places, counted at 4,049 residents with a land area of 6.8 square kilometres.

The land area recorded for Swan River is 6.8 square kilometres, and the population is 4,049 residents in the 2021 Census.

Swan River sits at rank 36 within Manitoba in this data set, and the provincial rules apply as they do elsewhere.

Swan River ranks 36 by 2021 Census population among the covered places in Manitoba.

Readers comparing Swan River with another community can use the same four census fields.

Swan River appears in the census record with 4,049 residents, and the density of 594.6 people per square kilometre follows from it.

The density figure for Swan River, 594.6 people per square kilometre, is calculated from the population and land area above.

The Swan River page follows the same structure as every other place page, with population, land area, density and rank.

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

For Swan River, the two census fields above are the only local statistics used anywhere on the 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 come from Statistics Canada's 2021 Census of Population; regulatory statements are attributed to the federal Payday Lending Regulations (SOR/2024-114).

The provincial rules apply wherever a borrower is in Manitoba; a municipal boundary does not change them.