Borrowing in Ebenezer, Saskatchewan

Ebenezer is one of the Saskatchewan places covered here, with 188 residents recorded in the 2021 Census and the same provincial rulebook as the rest of the province.

How borrowing works locally

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

Debt management plans are administered by accredited credit counsellors, and they are not loans. A provincial regulator publishes licensing requirements, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators.

Products compared here

The site describes 20 products in total; the two below are representative of the range.

• Instalment loans: A fixed number of fixed payments, sized larger and longer than a payday advance.
• Secured loans: Borrowing against an asset, which lowers the price but puts the asset at risk if you default.

The census figures for Ebenezer

188 people were counted in Ebenezer in the 2021 Census. The census records a land area of 0.6 square kilometres for Ebenezer.

That gives a density of 313.3 people per square kilometre, rounded to one decimal place.

The community is the 615th largest place in the province within this census set.

Ebenezer therefore appears at rank 615 of 733 covered Saskatchewan places, with a density of 313.3 people per square kilometre.

The Saskatchewan rules that apply

The regulator for consumer credit in Saskatchewan is the body listed by the federal Payday Lending Regulations (SOR/2024-114) provincial and territorial regulators.

In Saskatchewan, payday lending operates under a licensed provincial regime, and the federal Payday Lending Regulations (SOR/2024-114) record a maximum cost of borrowing of $14 for each $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.

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

The land area recorded for Ebenezer is 0.6 square kilometres, and the population is 188 residents in the 2021 Census.

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

The density figure for Ebenezer, 313.3 people per square kilometre, is calculated from the population and land area above.

Ebenezer sits at rank 615 within Saskatchewan in this data set, and the provincial rules apply as they do elsewhere.

Ebenezer is one of 733 covered Saskatchewan places, counted at 188 residents with a land area of 0.6 square kilometres.

At 188 residents in the 2021 Census, Ebenezer is listed alongside the other covered places in Saskatchewan.

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

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

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

Ebenezer appears in the census record with 188 residents, and the density of 313.3 people per square kilometre follows from it.

Ebenezer ranks 615 by 2021 Census population among the covered places in Saskatchewan.

The Ebenezer 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.

Lending rules change, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators where the current position is confirmed.