Borrowing in Oshawa, Ontario

Oshawa is one of the Ontario communities covered here, with a 2021 Census population of 175,383, and borrowing there is licensed under Ontario's consumer credit rules.

Products compared here

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

• Home renovation loans: Paying for work on a property, from a small unsecured instalment loan to a secured renovation product.
• Emergency loans: Money for an urgent expense, and the order in which a sensible borrower works through the options.

How borrowing works locally

Disclosure requirements mean the cost of borrowing must be stated before an agreement is signed.

A broker arranges credit but does not lend, and the lender remains the party that makes the decision. A longer amortisation lowers each payment and raises the total interest paid over the life of the loan.

The Ontario rules that apply

Licensing for consumer credit in Ontario sits with the province or territory, and the Financial Consumer Agency of Canada maintains the public 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 Ontario, which the federal Payday Lending Regulations (SOR/2024-114) list as a province that regulates the product.

This community is in the upper-middle band, and the provincial rules apply as they do across the province.

The census figures for Oshawa

The 2021 Census counted 175,383 residents in Oshawa. Its land area is 145.7 square kilometres.

That gives a density of 1203.6 people per square kilometre, rounded to one decimal place.

Oshawa ranks 14 by population among the Ontario places on this site.

Oshawa sits at rank 14 among the 527 Ontario places here, with 175,383 residents in the 2021 Census.

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

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

Oshawa is one of 527 covered Ontario places, counted at 175,383 residents with a land area of 145.7 square kilometres.

Oshawa sits at rank 14 within Ontario in this data set, and the provincial rules apply as they do elsewhere.

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

The land area recorded for Oshawa is 145.7 square kilometres, and the population is 175,383 residents in the 2021 Census.

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

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

Oshawa appears in the census record with 175,383 residents, and the density of 1203.6 people per square kilometre follows from it.

Oshawa ranks 14 by 2021 Census population among the covered places in Ontario.

The density figure for Oshawa, 1203.6 people per square kilometre, is calculated from the population and land area above.

At 175,383 residents in the 2021 Census, Oshawa 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.

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.

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