Borrowing in Barrier Valley No. 397, Saskatchewan

A loan taken out in Barrier Valley No. 397 is governed by Saskatchewan's licensing rules, and the 2021 Census counted 485 people in the community.

The Saskatchewan rules that apply

Licensing for consumer credit in Saskatchewan 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) count Saskatchewan among the provinces with payday lending rules, where the published maximum cost of borrowing is $14 per $100 under the federal limit (this province's own published limit is $17 per $100 advanced, the top of the range the Regulations describe) advanced under SOR/2024-114.

Places in the smallest population band are grouped here as small communities, and the pages carry the same census fields and the same provincial rules as the largest city.

How borrowing works locally

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

A revolving product charges interest on the outstanding balance, while an instalment product charges a fixed schedule of payments. Payment history is reported to credit agencies, and that record is what builds or damages a credit file over time.

The census figures for Barrier Valley No. 397

Population for Barrier Valley No. 397 stands at 485 in the 2021 Census. The community covers 817.9 square kilometres of land.

The calculated density is 0.6 people per square kilometre.

The community is the 311th largest place in the province within this census set.

Compared with the other 733 covered Saskatchewan places, Barrier Valley No. 397 ranks 311 by population.

Products compared here

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

• 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.

At 485 residents in the 2021 Census, Barrier Valley No. 397 is listed alongside the other covered places in Saskatchewan.

Barrier Valley No. 397 ranks 311 by 2021 Census population among the covered places in Saskatchewan.

Barrier Valley No. 397 is one of 733 covered Saskatchewan places, counted at 485 residents with a land area of 817.9 square kilometres.

Barrier Valley No. 397 appears in the census record with 485 residents, and the density of 0.6 people per square kilometre follows from it.

The density figure for Barrier Valley No. 397, 0.6 people per square kilometre, is calculated from the population and land area above.

For Barrier Valley No. 397, the two census fields above are the only local statistics used anywhere on the page.

Barrier Valley No. 397 sits at rank 311 within Saskatchewan in this data set, and the provincial rules apply as they do elsewhere.

Nothing on the Barrier Valley No. 397 page is estimated; the population and land area come from Statistics Canada's 2021 Census of Population.

The Barrier Valley No. 397 page follows the same structure as every other place page, with population, land area, density and rank.

The land area recorded for Barrier Valley No. 397 is 817.9 square kilometres, and the population is 485 residents in the 2021 Census.

Where a figure for Barrier Valley No. 397 could not be verified, the page names the publisher instead of printing a number.

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

Population and land area figures come from Statistics Canada's 2021 Census of Population; regulatory statements are attributed to the federal Payday Lending Regulations (SOR/2024-114).

The same structure is used for every place covered, so two communities can be compared field by field: population, land area, density, rank, and the provincial rules.