Borrowing in Garden River No. 490, Saskatchewan

Garden River No. 490 is one of the Saskatchewan communities covered here, with a 2021 Census population of 647, and borrowing there is licensed under Saskatchewan's consumer credit rules.

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.

• Collateral loans: Borrowing against an asset a lender will hold, from vehicles to savings, and what happens on default.
• Car loans: Financing a vehicle, including the effect of trade-in equity, negative equity and dealer-arranged credit.

How borrowing works locally

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

A lender's assessment looks at income, existing obligations, the credit file, and the asset pledged where there is one. A secured product gives the lender a claim on a named asset, which is why its price is usually lower than an unsecured equivalent.

The Saskatchewan rules that apply

The body that licenses consumer lending in Saskatchewan is the regulator named on the federal Payday Lending Regulations (SOR/2024-114)'s list of provincial and territorial regulators.

A payday advance in Saskatchewan falls under a provincial licensing regime, and the cost of borrowing is capped 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 according to the federal Payday Lending Regulations (SOR/2024-114).

This is a small community by population, inside the lowest band used on this site, and the provincial framework applies without variation.

The census figures for Garden River No. 490

Garden River No. 490 recorded a population of 647 in Statistics Canada's 2021 Census of Population. Statistics Canada lists 656.6 square kilometres of land for the community.

On those two figures, density is 1.0 residents per square kilometre when rounded to one decimal place.

The community is the 220th largest place in the province within this census set.

The place record for Garden River No. 490 covers 656.6 square kilometres and 647 residents, a density of 1.0 people per square kilometre.

The density figure for Garden River No. 490, 1.0 people per square kilometre, is calculated from the population and land area above.

Garden River No. 490 appears in the census record with 647 residents, and the density of 1.0 people per square kilometre follows from it.

The Garden River No. 490 page follows the same structure as every other place page, with population, land area, density and rank.

Nothing on the Garden River No. 490 page is estimated; the population and land area come from Statistics Canada's 2021 Census of Population.

Where a figure for Garden River No. 490 could not be verified, the page names the publisher instead of printing a number.

Readers comparing Garden River No. 490 with another community can use the same four census fields.

For Garden River No. 490, the two census fields above are the only local statistics used anywhere on the page.

Garden River No. 490 sits at rank 220 within Saskatchewan in this data set, and the provincial rules apply as they do elsewhere.

The land area recorded for Garden River No. 490 is 656.6 square kilometres, and the population is 647 residents in the 2021 Census.

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.

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