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Borrowing in Division No. 4, Subd. C, Newfoundland and Labrador

Division No. 4, Subd. C, Newfoundland and Labrador: 591 residents in the 2021 Census, 2365.4 square kilometres of land, and the provincial lending rules that apply across Newfoundland and Labrador.

Province Newfoundland and Labrador (NL)
Population, 2021 Census 591
Land area 2365.4 km²
Provincial regulator See the FCAC list

A loan taken out in Division No. 4, Subd. C is governed by Newfoundland and Labrador's licensing rules, and the 2021 Census counted 591 people in the community.

The Newfoundland and Labrador rules that apply

The body that licenses consumer lending in Newfoundland and Labrador 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) list Newfoundland and Labrador 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 advanced.

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

The census figures for Division No. 4, Subd. C

591 people were counted in Division No. 4, Subd. C in the 2021 Census. The community covers 2365.4 square kilometres of land.

Population divided by land area produces a density of 0.2 people per square kilometre.

By population it ranks 128 among the Newfoundland and Labrador places covered here.

Division No. 4, Subd. C is one of 322 places listed for Newfoundland and Labrador, ranked 128 by population and measured at 2365.4 square kilometres.

Products compared here

The site describes 20 products in total; the two below are representative of the range.

  • Debt relief programs: The formal and informal routes out of unmanageable debt in Canada, and who is licensed to run them.
  • Bad credit loans: Borrowing when the credit file is damaged, and what changes about price and security as a result.

How borrowing works locally

A payday advance is repaid on a pay date, while an instalment loan is repaid over a set number of payments.

A prepayment privilege allows a borrower to pay more than the scheduled amount, sometimes with a charge attached. A lender is free to set its own price below the legal ceiling, and it does so according to the risk it reads in the file.

Division No. 4, Subd. C ranks 128 by 2021 Census population among the covered places in Newfoundland and Labrador.

Nothing on the Division No. 4, Subd. C page is estimated; the population and land area come from Statistics Canada's 2021 Census of Population.

The density figure for Division No. 4, Subd. C, 0.2 people per square kilometre, is calculated from the population and land area above.

Division No. 4, Subd. C sits at rank 128 within Newfoundland and Labrador in this data set, and the provincial rules apply as they do elsewhere.

Where a figure for Division No. 4, Subd. C could not be verified, the page names the publisher instead of printing a number.

For Division No. 4, Subd. C, the two census fields above are the only local statistics used anywhere on the page.

Readers comparing Division No. 4, Subd. C with another community can use the same four census fields.

At 591 residents in the 2021 Census, Division No. 4, Subd. C is listed alongside the other covered places in Newfoundland and Labrador.

The Division No. 4, Subd. C 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.

The 2021 Census of Population published by Statistics Canada is the source for population and land area; the federal Payday Lending Regulations (SOR/2024-114) are the source for payday rules.

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

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

Borrowing in Division No. 4, Subd. C

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.

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