Borrowing in Gerald, Saskatchewan

Gerald is one of the Saskatchewan places covered here, with 129 residents recorded in the 2021 Census and the same provincial rulebook as the rest of the province.

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.

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.

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

How borrowing works locally

A broker arranges credit but does not lend, and the lender remains the party that makes the decision.

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

In the 2021 Census, Gerald had 129 residents. The community covers 0.7 square kilometres of land.

On those two figures, density is 174.3 residents per square kilometre when rounded to one decimal place.

Among covered Saskatchewan places, Gerald sits at rank 689 by population.

Gerald is one of 733 places listed for Saskatchewan, ranked 689 by population and measured at 0.7 square kilometres.

Products compared here

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

• Payday loans: Small, short-term advances against a pay date, the most tightly regulated product in Canadian consumer credit.
• No credit check loans: What lenders who advertise without a credit check actually look at instead, and where the cost goes.

Gerald ranks 689 by 2021 Census population among the covered places in Saskatchewan.

The land area recorded for Gerald is 0.7 square kilometres, and the population is 129 residents in the 2021 Census.

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

Gerald is one of 733 covered Saskatchewan places, counted at 129 residents with a land area of 0.7 square kilometres.

Gerald appears in the census record with 129 residents, and the density of 174.3 people per square kilometre follows from it.

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

The Gerald page follows the same structure as every other place page, with population, land area, density and rank.

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

The density figure for Gerald, 174.3 people per square kilometre, is calculated from the population and land area above.

Gerald sits at rank 689 within Saskatchewan in this data set, and the provincial rules apply as they do elsewhere.

At 129 residents in the 2021 Census, Gerald is listed alongside the other covered places in Saskatchewan.

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

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.

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