Borrowing in St. Thomas, Ontario

St. Thomas, Ontario, recorded a population of 42,840 in the 2021 Census; the rules that govern a loan signed there are provincial.

The census figures for St. Thomas

Statistics Canada's 2021 Census gives St. Thomas a population of 42,840. Its land area is 35.6 square kilometres.

Population divided by land area produces a density of 1203.0 people per square kilometre.

Among covered Ontario places, St. Thomas sits at rank 52 by population.

St. Thomas sits at rank 52 among the 527 Ontario places here, with 42,840 residents in the 2021 Census.

Products compared here

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

• 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 Ontario rules that apply

Consumer credit in Ontario is licensed by the provincial or territorial regulator, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators.

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.

This is a mid-sized community in the middle band, which the site treats with the same provincial rulebook.

How borrowing works locally

A broker arranges credit but does not lend, and the lender remains the party that makes the decision.

Adding a co-signer puts a second file in front of the lender and adds a second person to the obligation. A provincial regulator publishes licensing requirements, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators.

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

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

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

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

The land area recorded for St. Thomas is 35.6 square kilometres, and the population is 42,840 residents in the 2021 Census.

St. Thomas is one of 527 covered Ontario places, counted at 42,840 residents with a land area of 35.6 square kilometres.

St. Thomas ranks 52 by 2021 Census population among the covered places in Ontario.

At 42,840 residents in the 2021 Census, St. Thomas is listed alongside the other covered places in Ontario.

The density figure for St. Thomas, 1203.0 people per square kilometre, is calculated from the population and land area above.

St. Thomas sits at rank 52 within Ontario in this data set, and the provincial rules apply as they do elsewhere.

St. Thomas appears in the census record with 42,840 residents, and the density of 1203.0 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.

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).

Nothing here is an offer, and no page on this site can tell anyone what a lender will decide.