Borrowing in Gaultois, Newfoundland and Labrador

Gaultois, Newfoundland and Labrador, recorded a population of 100 in the 2021 Census; the rules that govern a loan signed there are provincial.

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.

Payday lending is licensed in Newfoundland and Labrador; the federal Payday Lending Regulations (SOR/2024-114) publish a cap of $14 per $100 advanced, and notes that a province may set a lower figure.

The lowest band groups villages, rural municipalities and small towns, all read against the same provincial rulebook.

The census figures for Gaultois

The 2021 Census counted 100 residents in Gaultois. The census records a land area of 4.2 square kilometres for Gaultois.

That gives a density of 23.6 people per square kilometre, rounded to one decimal place.

Among covered Newfoundland and Labrador places, Gaultois sits at rank 320 by population.

Gaultois therefore appears at rank 320 of 322 covered Newfoundland and Labrador places, with a density of 23.6 people per square kilometre.

Products compared here

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

• Instalment loans: A fixed number of fixed payments, sized larger and longer than a payday advance.
• Secured loans: Borrowing against an asset, which lowers the price but puts the asset at risk if you default.

How borrowing works locally

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

Variable-rate products move with a reference rate, while fixed-rate products set the price for a defined term. A secured product gives the lender a claim on a named asset, which is why its price is usually lower than an unsecured equivalent.

Gaultois sits at rank 320 within Newfoundland and Labrador in this data set, and the provincial rules apply as they do elsewhere.

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

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

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

The density figure for Gaultois, 23.6 people per square kilometre, is calculated from the population and land area above.

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

Gaultois is one of 322 covered Newfoundland and Labrador places, counted at 100 residents with a land area of 4.2 square kilometres.

The land area recorded for Gaultois is 4.2 square kilometres, and the population is 100 residents in the 2021 Census.

Gaultois ranks 320 by 2021 Census population among the covered places in Newfoundland and Labrador.

Gaultois appears in the census record with 100 residents, and the density of 23.6 people per square kilometre follows from it.

At 100 residents in the 2021 Census, Gaultois is listed alongside the other covered places in Newfoundland and Labrador.

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

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 same structure is used for every place covered, so two communities can be compared field by field: population, land area, density, rank, and the provincial rules.