Borrowing in St. Stephen, New Brunswick

A loan taken out in St. Stephen is governed by New Brunswick's licensing rules, and the 2021 Census counted 4,510 people in the community.

The census figures for St. Stephen

In the 2021 Census, St. Stephen had 4,510 residents. Its land area is 13.7 square kilometres.

On those two figures, density is 328.7 residents per square kilometre when rounded to one decimal place.

Among covered New Brunswick places, St. Stephen sits at rank 32 by population.

The place record for St. Stephen covers 13.7 square kilometres and 4,510 residents, a density of 328.7 people per square kilometre.

Products compared here

Each product below has its own page, and the New Brunswick position applies to all of them.

• 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.

The New Brunswick rules that apply

The regulator for consumer credit in New Brunswick is the body listed by the federal Payday Lending Regulations (SOR/2024-114) provincial and territorial regulators.

A payday advance in New Brunswick falls under a provincial licensing regime, and the cost of borrowing is capped at $14 per $100 advanced according to the federal Payday Lending Regulations (SOR/2024-114).

This is a small community by population, inside the lowest band used on this site, and the provincial framework applies without variation.

How borrowing works locally

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

Payment history is reported to credit agencies, and that record is what builds or damages a credit file over time. A broker arranges credit but does not lend, and the lender remains the party that makes the decision.

At 4,510 residents in the 2021 Census, St. Stephen is listed alongside the other covered places in New Brunswick.

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

Readers comparing St. Stephen with another community can use the same four census fields.

The land area recorded for St. Stephen is 13.7 square kilometres, and the population is 4,510 residents in the 2021 Census.

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

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

St. Stephen sits at rank 32 within New Brunswick in this data set, and the provincial rules apply as they do elsewhere.

St. Stephen appears in the census record with 4,510 residents, and the density of 328.7 people per square kilometre follows from it.

The density figure for St. Stephen, 328.7 people per square kilometre, is calculated from the population and land area above.

St. Stephen ranks 32 by 2021 Census population among the covered places in New Brunswick.

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

St. Stephen is one of 256 covered New Brunswick places, counted at 4,510 residents with a land area of 13.7 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.

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 New Brunswick; a municipal boundary does not change them.