Borrowing in Jans Bay, Saskatchewan

Jans Bay is one of the Saskatchewan communities covered here, with a 2021 Census population of 116, and borrowing there is licensed under Saskatchewan's consumer credit rules.

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, 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 in Saskatchewan, which the federal Payday Lending Regulations (SOR/2024-114) list as a province that regulates the product.

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

How borrowing works locally

Debt management plans are administered by accredited credit counsellors, and they are not loans.

A lender's assessment looks at income, existing obligations, the credit file, and the asset pledged where there is one. A credit file is compiled by private agencies from information lenders and other creditors report.

The census figures for Jans Bay

Population for Jans Bay stands at 116 in the 2021 Census. Land area for Jans Bay is 6.1 square kilometres in the same census.

That gives a density of 19.0 people per square kilometre, rounded to one decimal place.

By population it ranks 714 among the Saskatchewan places covered here.

The place record for Jans Bay covers 6.1 square kilometres and 116 residents, a density of 19.0 people per square kilometre.

Products compared here

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

• Car loans: Financing a vehicle, including the effect of trade-in equity, negative equity and dealer-arranged credit.
• Debt consolidation loans: Replacing several expensive debts with one payment, and the arithmetic that decides whether it helps.

At 116 residents in the 2021 Census, Jans Bay is listed alongside the other covered places in Saskatchewan.

Jans Bay appears in the census record with 116 residents, and the density of 19.0 people per square kilometre follows from it.

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

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

Jans Bay ranks 714 by 2021 Census population among the covered places in Saskatchewan.

The land area recorded for Jans Bay is 6.1 square kilometres, and the population is 116 residents in the 2021 Census.

Jans Bay is one of 733 covered Saskatchewan places, counted at 116 residents with a land area of 6.1 square kilometres.

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

Jans Bay sits at rank 714 within Saskatchewan in this data set, and the provincial rules apply as they do elsewhere.

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

The density figure for Jans Bay, 19.0 people per square kilometre, is calculated from the population and land area above.

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.

Nothing here is an offer, and no page on this site can tell anyone what a lender will decide.