Borrowing in The Pas, Manitoba

The Pas, Manitoba, recorded a population of 5,639 in the 2021 Census; the rules that govern a loan signed there are provincial.

Products compared here

These are two of the 20 products described on the site, and each has a national page as well as the provincial rules.

• Business loans: Commercial borrowing, what lenders read in a business file, and how the assessment differs from personal credit.
• Instalment loans: A fixed number of fixed payments, sized larger and longer than a payday advance.

How borrowing works locally

A shorter term raises each payment and lowers the total interest, which is the trade every schedule makes.

Provincial licensing decides who may lend, and federal rules add a ceiling where a licensed payday regime exists. An application usually asks for identification, income evidence, banking details and a statement of obligations.

The Manitoba rules that apply

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

The federal payday lending regulations, SOR/2024-114, cap the cost of borrowing at $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 in Manitoba, which the federal Payday Lending Regulations (SOR/2024-114) list as a province that regulates the product.

Municipalities of this size are grouped together here, with the province setting the licensing position for all of them.

The census figures for The Pas

In the 2021 Census, The Pas had 5,639 residents. The community covers 44.7 square kilometres of land.

The arithmetic gives 126.2 people per square kilometre.

By population it ranks 27 among the Manitoba places covered here.

Compared with the other 203 covered Manitoba places, The Pas ranks 27 by population.

At 5,639 residents in the 2021 Census, The Pas is listed alongside the other covered places in Manitoba.

Readers comparing The Pas with another community can use the same four census fields.

The Pas sits at rank 27 within Manitoba in this data set, and the provincial rules apply as they do elsewhere.

The land area recorded for The Pas is 44.7 square kilometres, and the population is 5,639 residents in the 2021 Census.

The density figure for The Pas, 126.2 people per square kilometre, is calculated from the population and land area above.

The Pas is one of 203 covered Manitoba places, counted at 5,639 residents with a land area of 44.7 square kilometres.

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

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

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

The Pas appears in the census record with 5,639 residents, and the density of 126.2 people per square kilometre follows from it.

For The Pas, the two census fields above are the only local statistics used anywhere on the page.

The Pas ranks 27 by 2021 Census population among the covered places in Manitoba.

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

Statistics Canada's 2021 Census of Population supplies the population and land-area figures, and the federal Payday Lending Regulations (SOR/2024-114) supply the payday position.

Compare the disclosure on any agreement against the provincial ceiling, and treat the census figures as the only local statistics on the page.