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Borrowing in Clarke's Beach, Newfoundland and Labrador

Clarke's Beach, Newfoundland and Labrador: 1,400 residents in the 2021 Census, 12.6 square kilometres of land, and the provincial lending rules that apply across Newfoundland and Labrador.

Province Newfoundland and Labrador (NL)
Population, 2021 Census 1,400
Land area 12.6 km²
Provincial regulator See the FCAC list

Clarke's Beach is one of the Newfoundland and Labrador communities covered here, with a 2021 Census population of 1,400, and borrowing there is licensed under Newfoundland and Labrador's consumer credit rules.

The census figures for Clarke's Beach

In the 2021 Census, Clarke's Beach had 1,400 residents. 12.6 square kilometres of land are attributed to Clarke's Beach.

The calculated density is 110.8 people per square kilometre.

The community is the 61st largest place in the province within this census set.

Clarke's Beach sits at rank 61 among the 322 Newfoundland and Labrador places here, with 1,400 residents in the 2021 Census.

The Newfoundland and Labrador rules that apply

Consumer credit in Newfoundland and Labrador 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) count Newfoundland and Labrador among the provinces with payday lending rules, where the published maximum cost of borrowing is $14 per $100 advanced under 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 mortgage is registered against the property, which is what gives the lender its claim.

Debt management plans are administered by accredited credit counsellors, and they are not loans. Joint applications combine two incomes and two sets of obligations in the same assessment.

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.

  • Bad credit loans: Borrowing when the credit file is damaged, and what changes about price and security as a result.
  • Home equity loans: Converting property equity into credit, and the difference between a lump sum and a revolving limit.

Readers comparing Clarke's Beach with another community can use the same four census fields.

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

Clarke's Beach is one of 322 covered Newfoundland and Labrador places, counted at 1,400 residents with a land area of 12.6 square kilometres.

The density figure for Clarke's Beach, 110.8 people per square kilometre, is calculated from the population and land area above.

At 1,400 residents in the 2021 Census, Clarke's Beach is listed alongside the other covered places in Newfoundland and Labrador.

The Clarke's Beach page follows the same structure as every other place page, with population, land area, density and rank.

For Clarke's Beach, the two census fields above are the only local statistics used anywhere on the page.

The land area recorded for Clarke's Beach is 12.6 square kilometres, and the population is 1,400 residents in the 2021 Census.

Clarke's Beach ranks 61 by 2021 Census population among the covered places in Newfoundland and Labrador.

Where a figure for Clarke's Beach could not be verified, the page names the publisher instead of printing a number.

Clarke's Beach sits at rank 61 within Newfoundland and Labrador in this data set, and the provincial rules apply as they do elsewhere.

Clarke's Beach appears in the census record with 1,400 residents, and the density of 110.8 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.

Lending rules change, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators where the current position is confirmed.

Population and land area: Statistics Canada, Census of Population 2021, table 98-10-0002.

Borrowing in Clarke's Beach

Personal loans A fixed sum repaid on a schedule, usually unsecured, for almost any purpose a lender will accept. Bad credit loans Borrowing when the credit file is damaged, and what changes about price and security as a result. No credit check loans What lenders who advertise without a credit check actually look at instead, and where the cost goes. Lines of credit A revolving limit you draw on and repay, usually paying interest only on what is outstanding. Unsecured loans Borrowing with no asset pledged, priced for the risk the lender is taking on your file alone. Secured loans Borrowing against an asset, which lowers the price but puts the asset at risk if you default. Car loans Financing a vehicle, including the effect of trade-in equity, negative equity and dealer-arranged credit. Mortgage loans Borrowing against residential property, including how a federally regulated lender tests the file. Home equity loans Converting property equity into credit, and the difference between a lump sum and a revolving limit. Mortgage refinancing Replacing an existing mortgage to change the rate, the term or the amount borrowed, and what it costs. Home renovation loans Paying for work on a property, from a small unsecured instalment loan to a secured renovation product. Business loans Commercial borrowing, what lenders read in a business file, and how the assessment differs from personal credit. Business lines of credit A revolving operating limit for a business, and why it behaves differently from a term loan. Debt consolidation loans Replacing several expensive debts with one payment, and the arithmetic that decides whether it helps. Debt relief programs The formal and informal routes out of unmanageable debt in Canada, and who is licensed to run them. Payday loans Small, short-term advances against a pay date, the most tightly regulated product in Canadian consumer credit. Cash advance loans Immediate short-term cash, including the difference between a cash advance on credit and a payday-style advance. Emergency loans Money for an urgent expense, and the order in which a sensible borrower works through the options. Instalment loans A fixed number of fixed payments, sized larger and longer than a payday advance. Collateral loans Borrowing against an asset a lender will hold, from vehicles to savings, and what happens on default.

Nearby places

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