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Borrowing in Division No. 9, Subd. D, Newfoundland and Labrador

Division No. 9, Subd. D, Newfoundland and Labrador: 534 residents in the 2021 Census, 939.7 square kilometres of land, and the provincial lending rules that apply across Newfoundland and Labrador.

Province Newfoundland and Labrador (NL)
Population, 2021 Census 534
Land area 939.7 km²
Provincial regulator See the FCAC list

A loan taken out in Division No. 9, Subd. D is governed by Newfoundland and Labrador's licensing rules, and the 2021 Census counted 534 people in the community.

The census figures for Division No. 9, Subd. D

The 2021 Census counted 534 residents in Division No. 9, Subd. D. 939.7 square kilometres of land are attributed to Division No. 9, Subd. D.

Population divided by land area produces a density of 0.6 people per square kilometre.

By population it ranks 151 among the Newfoundland and Labrador places covered here.

Compared with the other 322 covered Newfoundland and Labrador places, Division No. 9, Subd. D ranks 151 by population.

The Newfoundland and Labrador rules that apply

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

The federal payday lending regulations, SOR/2024-114, cap the cost of borrowing at $14 per $100 advanced in Newfoundland and Labrador, which the federal Payday Lending Regulations (SOR/2024-114) list as a province that regulates the product.

Places in the smallest population band are grouped here as small communities, and the pages carry the same census fields and the same provincial rules as the largest city.

How borrowing works locally

A secured product gives the lender a claim on a named asset, which is why its price is usually lower than an unsecured equivalent.

Interest on a line of credit accrues only on the drawn portion, not on the unused limit. A lender may ask for proof of address, and a permanent address is a standard requirement for consumer credit.

Products compared here

Two of the 20 covered products appear below, each with the purpose the product is designed for.

  • Mortgage loans: Borrowing against residential property, including how a federally regulated lender tests the file.
  • Debt relief programs: The formal and informal routes out of unmanageable debt in Canada, and who is licensed to run them.

Where a figure for Division No. 9, Subd. D could not be verified, the page names the publisher instead of printing a number.

Division No. 9, Subd. D sits at rank 151 within Newfoundland and Labrador in this data set, and the provincial rules apply as they do elsewhere.

Division No. 9, Subd. D appears in the census record with 534 residents, and the density of 0.6 people per square kilometre follows from it.

Nothing on the Division No. 9, Subd. D page is estimated; the population and land area come from Statistics Canada's 2021 Census of Population.

The land area recorded for Division No. 9, Subd. D is 939.7 square kilometres, and the population is 534 residents in the 2021 Census.

At 534 residents in the 2021 Census, Division No. 9, Subd. D is listed alongside the other covered places in Newfoundland and Labrador.

Division No. 9, Subd. D is one of 322 covered Newfoundland and Labrador places, counted at 534 residents with a land area of 939.7 square kilometres.

Readers comparing Division No. 9, Subd. D with another community can use the same four census fields.

Division No. 9, Subd. D ranks 151 by 2021 Census population among the covered places in Newfoundland and Labrador.

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).

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 Division No. 9, Subd. D

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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