Borrowing in West St. Modeste, Newfoundland and Labrador

West St. Modeste is one of the Newfoundland and Labrador places covered here, with 102 residents recorded in the 2021 Census and the same provincial rulebook as the rest of the province.

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) count Newfoundland and Labrador among the provinces with payday lending rules, where the published maximum cost of borrowing is $14 per $100 advanced under SOR/2024-114.

Communities of this size are listed here with population, land area and density, and the lending rules remain provincial.

How borrowing works locally

Debt management plans are administered by accredited credit counsellors, and they are not loans.

A lender may ask for proof of address, and a permanent address is a standard requirement for consumer credit. A shorter term raises each payment and lowers the total interest, which is the trade every schedule makes.

The census figures for West St. Modeste

In the 2021 Census, West St. Modeste had 102 residents. Its land area is 7.6 square kilometres.

The calculated density is 13.4 people per square kilometre.

The community is the 318th largest place in the province within this census set.

West St. Modeste is one of 322 places listed for Newfoundland and Labrador, ranked 318 by population and measured at 7.6 square kilometres.

Products compared here

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

• Cash advance loans: Immediate short-term cash, including the difference between a cash advance on credit and a payday-style advance.
• Lines of credit: A revolving limit you draw on and repay, usually paying interest only on what is outstanding.

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

The land area recorded for West St. Modeste is 7.6 square kilometres, and the population is 102 residents in the 2021 Census.

At 102 residents in the 2021 Census, West St. Modeste is listed alongside the other covered places in Newfoundland and Labrador.

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

The density figure for West St. Modeste, 13.4 people per square kilometre, is calculated from the population and land area above.

West St. Modeste ranks 318 by 2021 Census population among the covered places in Newfoundland and Labrador.

West St. Modeste is one of 322 covered Newfoundland and Labrador places, counted at 102 residents with a land area of 7.6 square kilometres.

Readers comparing West St. Modeste with another community can use the same four census fields.

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

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

West St. Modeste appears in the census record with 102 residents, and the density of 13.4 people per square kilometre follows from it.

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).

Lending rules change, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators where the current position is confirmed.