Borrowing in Waterhen 45, Manitoba

Waterhen 45 is one of the Manitoba communities covered here, with a 2021 Census population of 476, and borrowing there is licensed under Manitoba's consumer credit rules.

The Manitoba rules that apply

Consumer credit in Manitoba is licensed by the provincial or territorial regulator, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators.

The federal Payday Lending Regulations (SOR/2024-114) list Manitoba among the provinces that regulate payday lending, where 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.

Communities of this size are listed here with population, land area and density, and the lending rules remain provincial.

The census figures for Waterhen 45

In the 2021 Census, Waterhen 45 had 476 residents. The community covers 19.5 square kilometres of land.

The calculated density is 24.4 people per square kilometre.

Waterhen 45 ranks 176 by population among the Manitoba places on this site.

Compared with the other 203 covered Manitoba places, Waterhen 45 ranks 176 by population.

Products compared here

Two of the 20 covered products appear below, each with the purpose the product is designed for.

• Payday loans: Small, short-term advances against a pay date, the most tightly regulated product in Canadian consumer credit.
• No credit check loans: What lenders who advertise without a credit check actually look at instead, and where the cost goes.

How borrowing works locally

A revolving product charges interest on the outstanding balance, while an instalment product charges a fixed schedule of payments.

A secured product gives the lender a claim on a named asset, which is why its price is usually lower than an unsecured equivalent. Provincial licensing decides who may lend, and federal rules add a ceiling where a licensed payday regime exists.

Readers comparing Waterhen 45 with another community can use the same four census fields.

Nothing on the Waterhen 45 page is estimated; the population and land area come from Statistics Canada's 2021 Census of Population.

The density figure for Waterhen 45, 24.4 people per square kilometre, is calculated from the population and land area above.

Where a figure for Waterhen 45 could not be verified, the page names the publisher instead of printing a number.

Waterhen 45 ranks 176 by 2021 Census population among the covered places in Manitoba.

The land area recorded for Waterhen 45 is 19.5 square kilometres, and the population is 476 residents in the 2021 Census.

At 476 residents in the 2021 Census, Waterhen 45 is listed alongside the other covered places in Manitoba.

Waterhen 45 is one of 203 covered Manitoba places, counted at 476 residents with a land area of 19.5 square kilometres.

For Waterhen 45, the two census fields above are the only local statistics used anywhere on the page.

Waterhen 45 appears in the census record with 476 residents, and the density of 24.4 people per square kilometre follows from it.

Waterhen 45 sits at rank 176 within Manitoba in this data set, and the provincial rules apply as they do elsewhere.

The Waterhen 45 page follows the same structure as every other place page, with population, land area, density and rank.

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.

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