Borrowing in Garry No. 245, Saskatchewan

With 370 residents counted in the 2021 Census, Garry No. 245 sits inside Saskatchewan's provincial lending framework.

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.

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).

At the small end of the census range, the community still borrows inside the province's licensing system.

The census figures for Garry No. 245

In the 2021 Census, Garry No. 245 had 370 residents. Land area for Garry No. 245 is 790.2 square kilometres in the same census.

On those two figures, density is 0.5 residents per square kilometre when rounded to one decimal place.

By population it ranks 402 among the Saskatchewan places covered here.

Compared with the other 733 covered Saskatchewan places, Garry No. 245 ranks 402 by population.

Products compared here

Among the 20 products compared here, these two are commonly used for the purposes described.

• Personal loans: A fixed sum repaid on a schedule, usually unsecured, for almost any purpose a lender will accept.
• Mortgage loans: Borrowing against residential property, including how a federally regulated lender tests the file.

How borrowing works locally

A shorter term raises each payment and lowers the total interest, which is the trade every schedule makes.

A prepayment privilege allows a borrower to pay more than the scheduled amount, sometimes with a charge attached. A lender may ask for proof of address, and a permanent address is a standard requirement for consumer credit.

The Garry No. 245 page follows the same structure as every other place page, with population, land area, density and rank.

Garry No. 245 is one of 733 covered Saskatchewan places, counted at 370 residents with a land area of 790.2 square kilometres.

Nothing on the Garry No. 245 page is estimated; the population and land area come from Statistics Canada's 2021 Census of Population.

The density figure for Garry No. 245, 0.5 people per square kilometre, is calculated from the population and land area above.

Readers comparing Garry No. 245 with another community can use the same four census fields.

Garry No. 245 appears in the census record with 370 residents, and the density of 0.5 people per square kilometre follows from it.

Where a figure for Garry No. 245 could not be verified, the page names the publisher instead of printing a number.

For Garry No. 245, the two census fields above are the only local statistics used anywhere on the page.

Garry No. 245 ranks 402 by 2021 Census population among the covered places in Saskatchewan.

The land area recorded for Garry No. 245 is 790.2 square kilometres, and the population is 370 residents in the 2021 Census.

At 370 residents in the 2021 Census, Garry No. 245 is listed alongside the other covered places in Saskatchewan.

Garry No. 245 sits at rank 402 within Saskatchewan in this data set, and the provincial rules apply as they do elsewhere.

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.