Borrowing in Saint Andrews, New Brunswick

Saint Andrews is one of the New Brunswick communities covered here, with a 2021 Census population of 550, and borrowing there is licensed under New Brunswick's consumer credit rules.

The New Brunswick rules that apply

Consumer credit in New Brunswick 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, cap the cost of borrowing at $14 per $100 advanced in New Brunswick, which the federal Payday Lending Regulations (SOR/2024-114) list as a province that regulates the product.

Small places are covered the same way as large ones: census figures for the place, and the provincial position on lending.

The census figures for Saint Andrews

Saint Andrews recorded a population of 550 in Statistics Canada's 2021 Census of Population. The census records a land area of 24.3 square kilometres for Saint Andrews.

On those two figures, density is 22.7 residents per square kilometre when rounded to one decimal place.

By population it ranks 209 among the New Brunswick places covered here.

Within New Brunswick, Saint Andrews is place number 209 by population in this census set, at 550 residents.

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.

• Home equity loans: Converting property equity into credit, and the difference between a lump sum and a revolving limit.
• Payday loans: Small, short-term advances against a pay date, the most tightly regulated product in Canadian consumer credit.

How borrowing works locally

A consumer proposal or a bankruptcy is administered by a licensed insolvency trustee rather than by a lender.

A secured product gives the lender a claim on a named asset, which is why its price is usually lower than an unsecured equivalent. A lender's assessment looks at income, existing obligations, the credit file, and the asset pledged where there is one.

The density figure for Saint Andrews, 22.7 people per square kilometre, is calculated from the population and land area above.

Saint Andrews sits at rank 209 within New Brunswick in this data set, and the provincial rules apply as they do elsewhere.

Readers comparing Saint Andrews with another community can use the same four census fields.

Saint Andrews ranks 209 by 2021 Census population among the covered places in New Brunswick.

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

Saint Andrews appears in the census record with 550 residents, and the density of 22.7 people per square kilometre follows from it.

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

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

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

Saint Andrews is one of 256 covered New Brunswick places, counted at 550 residents with a land area of 24.3 square kilometres.

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

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).

Nothing here is an offer, and no page on this site can tell anyone what a lender will decide.