Borrowing in Elcapo No. 154, Saskatchewan

With 392 residents counted in the 2021 Census, Elcapo No. 154 sits inside Saskatchewan's provincial lending framework.

The census figures for Elcapo No. 154

Statistics Canada's 2021 Census gives Elcapo No. 154 a population of 392. 824.3 square kilometres of land are attributed to Elcapo No. 154.

That gives a density of 0.5 people per square kilometre, rounded to one decimal place.

The community is the 376th largest place in the province within this census set.

Elcapo No. 154 therefore appears at rank 376 of 733 covered Saskatchewan places, with a density of 0.5 people per square kilometre.

Products compared here

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

• Business loans: Commercial borrowing, what lenders read in a business file, and how the assessment differs from personal credit.
• Instalment loans: A fixed number of fixed payments, sized larger and longer than a payday advance.

The Saskatchewan rules that apply

Consumer credit in Saskatchewan 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 Saskatchewan 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 under the federal limit (this province's own published limit is $17 per $100 advanced, the top of the range the Regulations describe) advanced.

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

How borrowing works locally

A revolving product charges interest on the outstanding balance, while an instalment product charges a fixed schedule of payments.

Adding a co-signer puts a second file in front of the lender and adds a second person to the obligation. A longer amortisation lowers each payment and raises the total interest paid over the life of the loan.

Nothing on the Elcapo No. 154 page is estimated; the population and land area come from Statistics Canada's 2021 Census of Population.

Where a figure for Elcapo No. 154 could not be verified, the page names the publisher instead of printing a number.

At 392 residents in the 2021 Census, Elcapo No. 154 is listed alongside the other covered places in Saskatchewan.

Elcapo No. 154 is one of 733 covered Saskatchewan places, counted at 392 residents with a land area of 824.3 square kilometres.

Readers comparing Elcapo No. 154 with another community can use the same four census fields.

The Elcapo No. 154 page follows the same structure as every other place page, with population, land area, density and rank.

The land area recorded for Elcapo No. 154 is 824.3 square kilometres, and the population is 392 residents in the 2021 Census.

Elcapo No. 154 ranks 376 by 2021 Census population among the covered places in Saskatchewan.

The density figure for Elcapo No. 154, 0.5 people per square kilometre, is calculated from the population and land area above.

For Elcapo No. 154, the two census fields above are the only local statistics used anywhere on the page.

Elcapo No. 154 sits at rank 376 within Saskatchewan in this data set, and the provincial rules apply as they do elsewhere.

Elcapo No. 154 appears in the census record with 392 residents, and the density of 0.5 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.

Statistics Canada's 2021 Census of Population supplies the population and land-area figures, and the federal Payday Lending Regulations (SOR/2024-114) supply the payday position.

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.