Compare loans

Borrowing in St. George's, Newfoundland and Labrador

A guide to borrowing in St. George's, Newfoundland and Labrador, with the 2021 Census population of 1,139 and the provincial rules that apply locally.

Province Newfoundland and Labrador (NL)
Population, 2021 Census 1,139
Land area 25.7 km²
Provincial regulator See the FCAC list

St. George's is one of the Newfoundland and Labrador communities covered here, with a 2021 Census population of 1,139, and borrowing there is licensed under Newfoundland and Labrador's consumer credit rules.

How borrowing works locally

Provincial licensing decides who may lend, and federal rules add a ceiling where a licensed payday regime exists.

Joint applications combine two incomes and two sets of obligations in the same assessment. Payment history is reported to credit agencies, and that record is what builds or damages a credit file over time.

Products compared here

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

  • Car loans: Financing a vehicle, including the effect of trade-in equity, negative equity and dealer-arranged credit.
  • Debt consolidation loans: Replacing several expensive debts with one payment, and the arithmetic that decides whether it helps.

The census figures for St. George's

Population for St. George's stands at 1,139 in the 2021 Census. Statistics Canada lists 25.7 square kilometres of land for the community.

The calculated density is 44.3 people per square kilometre.

Among covered Newfoundland and Labrador places, St. George's sits at rank 75 by population.

The place record for St. George's covers 25.7 square kilometres and 1,139 residents, a density of 44.3 people per square kilometre.

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.

In Newfoundland and Labrador, payday lending operates under a licensed provincial regime, and the federal Payday Lending Regulations (SOR/2024-114) record a maximum cost of borrowing of $14 for each $100 advanced under SOR/2024-114.

At the small end of the census range, the community still borrows inside the province's licensing system.

St. George's is one of 322 covered Newfoundland and Labrador places, counted at 1,139 residents with a land area of 25.7 square kilometres.

The land area recorded for St. George's is 25.7 square kilometres, and the population is 1,139 residents in the 2021 Census.

Readers comparing St. George's with another community can use the same four census fields.

At 1,139 residents in the 2021 Census, St. George's is listed alongside the other covered places in Newfoundland and Labrador.

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

St. George's sits at rank 75 within Newfoundland and Labrador in this data set, and the provincial rules apply as they do elsewhere.

St. George's ranks 75 by 2021 Census population among the covered places in Newfoundland and Labrador.

St. George's appears in the census record with 1,139 residents, and the density of 44.3 people per square kilometre follows from it.

The density figure for St. George's, 44.3 people per square kilometre, is calculated from the population and land area above.

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

For St. George's, 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.

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.

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 St. George's

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

St. John's 110,525 Conception Bay South 27,168 Paradise 22,957 Mount Pearl 22,477 Corner Brook 19,333 Grand Falls-Windsor 13,853

Frequently asked questions

Related

Compare loan offers

Compare options from Canadian lending partners. We are not a lender and we do not make credit decisions.

See partner options

Advertising disclosure: loanmoose.ca may receive a referral fee if you continue through a partner link. That fee does not change the rate you are offered and it does not change what we publish. We are not a lender. Read the full disclosure.