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Borrowing in Irishtown-Summerside, Newfoundland and Labrador

A guide to borrowing in Irishtown-Summerside, Newfoundland and Labrador, with the 2021 Census population of 1,260 and the provincial rules that apply locally.

Province Newfoundland and Labrador (NL)
Population, 2021 Census 1,260
Land area 11.9 km²
Provincial regulator See the FCAC list

A loan taken out in Irishtown-Summerside is governed by Newfoundland and Labrador's licensing rules, and the 2021 Census counted 1,260 people in the community.

The census figures for Irishtown-Summerside

Irishtown-Summerside recorded a population of 1,260 in Statistics Canada's 2021 Census of Population. Its land area is 11.9 square kilometres.

The calculated density is 106.1 people per square kilometre.

Its provincial population rank is 65 within this data set.

The place record for Irishtown-Summerside covers 11.9 square kilometres and 1,260 residents, a density of 106.1 people per square kilometre.

Products compared here

The product pages behind this city cover the following borrowing categories, among the 20 products compared nationally.

  • Mortgage refinancing: Replacing an existing mortgage to change the rate, the term or the amount borrowed, and what it costs.
  • Cash advance loans: Immediate short-term cash, including the difference between a cash advance on credit and a payday-style advance.

The Newfoundland and Labrador rules that apply

Consumer lending in Newfoundland and Labrador is licensed provincially or territorially, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators where the current position appears.

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.

How borrowing works locally

A mortgage is registered against the property, which is what gives the lender its claim.

Provincial licensing decides who may lend, and federal rules add a ceiling where a licensed payday regime exists. A longer amortisation lowers each payment and raises the total interest paid over the life of the loan.

Irishtown-Summerside ranks 65 by 2021 Census population among the covered places in Newfoundland and Labrador.

Irishtown-Summerside sits at rank 65 within Newfoundland and Labrador in this data set, and the provincial rules apply as they do elsewhere.

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

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

The density figure for Irishtown-Summerside, 106.1 people per square kilometre, is calculated from the population and land area above.

At 1,260 residents in the 2021 Census, Irishtown-Summerside is listed alongside the other covered places in Newfoundland and Labrador.

Readers comparing Irishtown-Summerside with another community can use the same four census fields.

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

Irishtown-Summerside appears in the census record with 1,260 residents, and the density of 106.1 people per square kilometre follows from it.

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

The land area recorded for Irishtown-Summerside is 11.9 square kilometres, and the population is 1,260 residents in the 2021 Census.

Irishtown-Summerside is one of 322 covered Newfoundland and Labrador places, counted at 1,260 residents with a land area of 11.9 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.

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.

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

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

Borrowing in Irishtown-Summerside

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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