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Borrowing in Breadalbane, Prince Edward Island

Borrowing in Breadalbane is licensed by Prince Edward Island, and the 2021 Census counted 170 people across 12.7 square kilometres.

Province Prince Edward Island (PE)
Population, 2021 Census 170
Land area 12.7 km²
Provincial regulator See the FCAC list

This page covers borrowing in Breadalbane, Prince Edward Island: the census facts, the provincial rules, and the products people compare.

The Prince Edward Island rules that apply

Licensing for consumer credit in Prince Edward Island 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 Prince Edward Island, which the federal Payday Lending Regulations (SOR/2024-114) list as a province that regulates the product.

Small places are covered the same way as large ones: census figures for the place, and the provincial position on lending.

The census figures for Breadalbane

170 people were counted in Breadalbane in the 2021 Census. The census records a land area of 12.7 square kilometres for Breadalbane.

That gives a density of 13.4 people per square kilometre, rounded to one decimal place.

Breadalbane ranks 85 by population among the Prince Edward Island places on this site.

Breadalbane sits at rank 85 among the 91 Prince Edward Island places here, with 170 residents in the 2021 Census.

Products compared here

The product pages behind this city cover the following borrowing categories, among the 20 products compared nationally.

  • Business lines of credit: A revolving operating limit for a business, and why it behaves differently from a term loan.
  • Collateral loans: Borrowing against an asset a lender will hold, from vehicles to savings, and what happens on default.

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.

A revolving product charges interest on the outstanding balance, while an instalment product charges a fixed schedule of payments. Provincial licensing decides who may lend, and federal rules add a ceiling where a licensed payday regime exists.

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

Breadalbane is one of 91 covered Prince Edward Island places, counted at 170 residents with a land area of 12.7 square kilometres.

Breadalbane sits at rank 85 within Prince Edward Island in this data set, and the provincial rules apply as they do elsewhere.

The land area recorded for Breadalbane is 12.7 square kilometres, and the population is 170 residents in the 2021 Census.

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

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

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

At 170 residents in the 2021 Census, Breadalbane is listed alongside the other covered places in Prince Edward Island.

Breadalbane ranks 85 by 2021 Census population among the covered places in Prince Edward Island.

Breadalbane appears in the census record with 170 residents, and the density of 13.4 people per square kilometre follows from it.

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

The density figure for Breadalbane, 13.4 people per square kilometre, is calculated from the population and land area above.

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.

Population and land area: Statistics Canada, Census of Population 2021, table 98-10-0002.

Borrowing in Breadalbane

Personal loans A fixed sum repaid on a schedule, usually unsecured, for almost any purpose a lender will accept. Bad credit loans Borrowing when the credit file is damaged, and what changes about price and security as a result. No credit check loans What lenders who advertise without a credit check actually look at instead, and where the cost goes. Lines of credit A revolving limit you draw on and repay, usually paying interest only on what is outstanding. Unsecured loans Borrowing with no asset pledged, priced for the risk the lender is taking on your file alone. Secured loans Borrowing against an asset, which lowers the price but puts the asset at risk if you default. Car loans Financing a vehicle, including the effect of trade-in equity, negative equity and dealer-arranged credit. Mortgage loans Borrowing against residential property, including how a federally regulated lender tests the file. Home equity loans Converting property equity into credit, and the difference between a lump sum and a revolving limit. Mortgage refinancing Replacing an existing mortgage to change the rate, the term or the amount borrowed, and what it costs. Home renovation loans Paying for work on a property, from a small unsecured instalment loan to a secured renovation product. Business loans Commercial borrowing, what lenders read in a business file, and how the assessment differs from personal credit. Business lines of credit A revolving operating limit for a business, and why it behaves differently from a term loan. Debt consolidation loans Replacing several expensive debts with one payment, and the arithmetic that decides whether it helps. Debt relief programs The formal and informal routes out of unmanageable debt in Canada, and who is licensed to run them. Payday loans Small, short-term advances against a pay date, the most tightly regulated product in Canadian consumer credit. Cash advance loans Immediate short-term cash, including the difference between a cash advance on credit and a payday-style advance. Emergency loans Money for an urgent expense, and the order in which a sensible borrower works through the options. Instalment loans A fixed number of fixed payments, sized larger and longer than a payday advance. Collateral loans Borrowing against an asset a lender will hold, from vehicles to savings, and what happens on default.

Nearby places

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