Borrowing in Halbrite, Saskatchewan

Halbrite, Saskatchewan, recorded a population of 110 in the 2021 Census; the rules that govern a loan signed there are provincial.

The Saskatchewan rules that apply

Provincial or territorial law decides who may lend in Saskatchewan, and the Financial Consumer Agency of Canada publishes the list that names the regulator responsible.

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.

Places in the smallest population band are grouped here as small communities, and the pages carry the same census fields and the same provincial rules as the largest city.

The census figures for Halbrite

The 2021 Census counted 110 residents in Halbrite. The census records a land area of 1.1 square kilometres for Halbrite.

The arithmetic gives 100.0 people per square kilometre.

The community is the 720th largest place in the province within this census set.

Compared with the other 733 covered Saskatchewan places, Halbrite ranks 720 by population.

Products compared here

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

• Home equity loans: Converting property equity into credit, and the difference between a lump sum and a revolving limit.
• Payday loans: Small, short-term advances against a pay date, the most tightly regulated product in Canadian consumer credit.

How borrowing works locally

A longer amortisation lowers each payment and raises the total interest paid over the life of the loan.

Interest on a line of credit accrues only on the drawn portion, not on the unused limit. A lender's assessment looks at income, existing obligations, the credit file, and the asset pledged where there is one.

The density figure for Halbrite, 100.0 people per square kilometre, is calculated from the population and land area above.

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

At 110 residents in the 2021 Census, Halbrite is listed alongside the other covered places in Saskatchewan.

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

Halbrite sits at rank 720 within Saskatchewan in this data set, and the provincial rules apply as they do elsewhere.

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

The land area recorded for Halbrite is 1.1 square kilometres, and the population is 110 residents in the 2021 Census.

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

Halbrite is one of 733 covered Saskatchewan places, counted at 110 residents with a land area of 1.1 square kilometres.

Halbrite ranks 720 by 2021 Census population among the covered places in Saskatchewan.

Halbrite appears in the census record with 110 residents, and the density of 100.0 people per square kilometre follows from it.

For Halbrite, 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.

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 provincial rules apply wherever a borrower is in Saskatchewan; a municipal boundary does not change them.