Borrowing in Joly, Ontario

Joly is one of the Ontario places covered here, with 293 residents recorded in the 2021 Census and the same provincial rulebook as the rest of the province.

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.

Disclosure requirements mean the cost of borrowing must be stated before an agreement is signed. Interest on a line of credit accrues only on the drawn portion, not on the unused limit.

Products compared here

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

• Debt relief programs: The formal and informal routes out of unmanageable debt in Canada, and who is licensed to run them.
• Bad credit loans: Borrowing when the credit file is damaged, and what changes about price and security as a result.

The census figures for Joly

Population for Joly stands at 293 in the 2021 Census. Its land area is 193.9 square kilometres.

That gives a density of 1.5 people per square kilometre, rounded to one decimal place.

The 2021 Census population places it at rank 472 in the province.

Within Ontario, Joly is place number 472 by population in this census set, at 293 residents.

The Ontario rules that apply

Consumer lending in Ontario 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 Ontario among the provinces with payday lending rules, where the published maximum cost of borrowing is $14 per $100 advanced under SOR/2024-114.

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

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

The density figure for Joly, 1.5 people per square kilometre, is calculated from the population and land area above.

At 293 residents in the 2021 Census, Joly is listed alongside the other covered places in Ontario.

The land area recorded for Joly is 193.9 square kilometres, and the population is 293 residents in the 2021 Census.

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

Joly is one of 527 covered Ontario places, counted at 293 residents with a land area of 193.9 square kilometres.

Joly ranks 472 by 2021 Census population among the covered places in Ontario.

Joly sits at rank 472 within Ontario in this data set, and the provincial rules apply as they do elsewhere.

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

Joly appears in the census record with 293 residents, and the density of 1.5 people per square kilometre follows from it.

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

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

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.