Borrowing in Terrenceville, Newfoundland and Labrador

With 446 residents counted in the 2021 Census, Terrenceville sits inside Newfoundland and Labrador's provincial lending framework.

The census figures for Terrenceville

Terrenceville recorded a population of 446 in Statistics Canada's 2021 Census of Population. Land area for Terrenceville is 15.1 square kilometres in the same census.

That gives a density of 29.5 people per square kilometre, rounded to one decimal place.

Its provincial population rank is 167 within this data set.

Terrenceville sits at rank 167 among the 322 Newfoundland and Labrador places here, with 446 residents in the 2021 Census.

Products compared here

Each product below has its own page, and the Newfoundland and Labrador position applies to all of them.

• No credit check loans: What lenders who advertise without a credit check actually look at instead, and where the cost goes.
• Mortgage refinancing: Replacing an existing mortgage to change the rate, the term or the amount borrowed, and what it costs.

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, 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.

This is a small community by population, inside the lowest band used on this site, and the provincial framework applies without variation.

How borrowing works locally

A provincial regulator publishes licensing requirements, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators.

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

Terrenceville ranks 167 by 2021 Census population among the covered places in Newfoundland and Labrador.

At 446 residents in the 2021 Census, Terrenceville is listed alongside the other covered places in Newfoundland and Labrador.

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

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

The land area recorded for Terrenceville is 15.1 square kilometres, and the population is 446 residents in the 2021 Census.

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

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

The density figure for Terrenceville, 29.5 people per square kilometre, is calculated from the population and land area above.

Terrenceville appears in the census record with 446 residents, and the density of 29.5 people per square kilometre follows from it.

Terrenceville sits at rank 167 within Newfoundland and Labrador in this data set, and the provincial rules apply as they do elsewhere.

For Terrenceville, 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.