Borrowing in Saint John, New Brunswick

With 69,895 residents counted in the 2021 Census, Saint John sits inside New Brunswick's provincial lending framework.

The census figures for Saint John

Saint John recorded a population of 69,895 in Statistics Canada's 2021 Census of Population. Its land area is 315.6 square kilometres.

The calculated density is 221.5 people per square kilometre.

Among covered New Brunswick places, Saint John sits at rank 2 by population.

The place record for Saint John covers 315.6 square kilometres and 69,895 residents, a density of 221.5 people per square kilometre.

The New Brunswick rules that apply

The body that licenses consumer lending in New Brunswick 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, 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.

In the middle band, the community is grouped with comparable places here, and the rules stay provincial.

How borrowing works locally

Disclosure requirements mean the cost of borrowing must be stated before an agreement is signed.

A payday advance is repaid on a pay date, while an instalment loan is repaid over a set number of payments. Adding a co-signer puts a second file in front of the lender and adds a second person to the obligation.

Products compared here

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

• No credit check loans: What lenders who advertise without a credit check actually look at instead, and where the cost goes.
• Mortgage refinancing: Replacing an existing mortgage to change the rate, the term or the amount borrowed, and what it costs.

Saint John is one of 256 covered New Brunswick places, counted at 69,895 residents with a land area of 315.6 square kilometres.

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

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

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

Saint John sits at rank 2 within New Brunswick in this data set, and the provincial rules apply as they do elsewhere.

The density figure for Saint John, 221.5 people per square kilometre, is calculated from the population and land area above.

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

At 69,895 residents in the 2021 Census, Saint John is listed alongside the other covered places in New Brunswick.

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

The land area recorded for Saint John is 315.6 square kilometres, and the population is 69,895 residents in the 2021 Census.

Saint John appears in the census record with 69,895 residents, and the density of 221.5 people per square kilometre follows from it.

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 New Brunswick; a municipal boundary does not change them.