Borrowing in Whitchurch-Stouffville, Ontario

This page covers borrowing in Whitchurch-Stouffville, Ontario: the census facts, the provincial rules, and the products people compare.

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) list Ontario among the provinces that regulate payday lending, where the federal Payday Lending Regulations (SOR/2024-114) cap the cost of borrowing at $14 per $100 advanced.

Places in the middle band are mid-sized by Canadian standards, and the products compared here are the same provincial set.

The census figures for Whitchurch-Stouffville

Population for Whitchurch-Stouffville stands at 49,864 in the 2021 Census. Statistics Canada lists 206.4 square kilometres of land for the community.

Population divided by land area produces a density of 241.6 people per square kilometre.

Whitchurch-Stouffville ranks 43 by population among the Ontario places on this site.

Compared with the other 527 covered Ontario places, Whitchurch-Stouffville ranks 43 by population.

Products compared here

These are two of the 20 products described on the site, and each has a national page as well as the provincial rules.

• Bad credit loans: Borrowing when the credit file is damaged, and what changes about price and security as a result.
• Home equity loans: Converting property equity into credit, and the difference between a lump sum and a revolving limit.

How borrowing works locally

Variable-rate products move with a reference rate, while fixed-rate products set the price for a defined term.

A shorter term raises each payment and lowers the total interest, which is the trade every schedule makes. A secured product gives the lender a claim on a named asset, which is why its price is usually lower than an unsecured equivalent.

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

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

Whitchurch-Stouffville is one of 527 covered Ontario places, counted at 49,864 residents with a land area of 206.4 square kilometres.

The land area recorded for Whitchurch-Stouffville is 206.4 square kilometres, and the population is 49,864 residents in the 2021 Census.

Readers comparing Whitchurch-Stouffville with another community can use the same four census fields.

The density figure for Whitchurch-Stouffville, 241.6 people per square kilometre, is calculated from the population and land area above.

Whitchurch-Stouffville ranks 43 by 2021 Census population among the covered places in Ontario.

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

At 49,864 residents in the 2021 Census, Whitchurch-Stouffville is listed alongside the other covered places in Ontario.

Whitchurch-Stouffville sits at rank 43 within Ontario in this data set, and the provincial rules apply as they do elsewhere.

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

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

The 2021 Census of Population published by Statistics Canada is the source for population and land area; the federal Payday Lending Regulations (SOR/2024-114) are the source for payday rules.

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