Borrowing in Kitchener, Ontario

Kitchener, Ontario, recorded a population of 256,885 in the 2021 Census; the rules that govern a loan signed there are provincial.

The census figures for Kitchener

Kitchener recorded a population of 256,885 in Statistics Canada's 2021 Census of Population. Its land area is 136.8 square kilometres.

The calculated density is 1877.7 people per square kilometre.

The community is the 9th largest place in the province within this census set.

Kitchener therefore appears at rank 9 of 527 covered Ontario places, with a density of 1877.7 people per square kilometre.

Products compared here

Two of the 20 covered products appear below, each with the purpose the product is designed for.

• Debt consolidation loans: Replacing several expensive debts with one payment, and the arithmetic that decides whether it helps.
• Personal loans: A fixed sum repaid on a schedule, usually unsecured, for almost any purpose a lender will accept.

The Ontario rules that apply

Provincial or territorial law decides who may lend in Ontario, and the Financial Consumer Agency of Canada publishes the list that names the regulator responsible.

Payday lending is licensed in Ontario; the federal Payday Lending Regulations (SOR/2024-114) publish a cap of $14 per $100 advanced, and notes that a province may set a lower figure.

Communities in the upper-middle band sit below the largest cities but above the small-town range, and the rules remain provincial.

How borrowing works locally

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

A broker arranges credit but does not lend, and the lender remains the party that makes the decision. A provincial regulator publishes licensing requirements, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators.

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

The density figure for Kitchener, 1877.7 people per square kilometre, is calculated from the population and land area above.

Kitchener is one of 527 covered Ontario places, counted at 256,885 residents with a land area of 136.8 square kilometres.

Kitchener sits at rank 9 within Ontario in this data set, and the provincial rules apply as they do elsewhere.

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

The land area recorded for Kitchener is 136.8 square kilometres, and the population is 256,885 residents in the 2021 Census.

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

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

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

Kitchener ranks 9 by 2021 Census population among the covered places in Ontario.

Kitchener appears in the census record with 256,885 residents, and the density of 1877.7 people per square kilometre follows from it.

At 256,885 residents in the 2021 Census, Kitchener is listed alongside the other covered places in Ontario.

loanmoose.ca is not a lender and does not make credit decisions. The lowest rates are only available to the most qualified applicants.

Census figures are from Statistics Canada's 2021 Census of Population, and the payday position is taken from the federal Payday Lending Regulations (SOR/2024-114).

Compare the disclosure on any agreement against the provincial ceiling, and treat the census figures as the only local statistics on the page.