Borrowing in Naicam, Saskatchewan

With 651 residents counted in the 2021 Census, Naicam sits inside Saskatchewan's provincial lending framework.

How borrowing works locally

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

A secured product gives the lender a claim on a named asset, which is why its price is usually lower than an unsecured equivalent. A lender is free to set its own price below the legal ceiling, and it does so according to the risk it reads in the file.

Products compared here

The product pages behind this city cover the following borrowing categories, among the 20 products compared nationally.

• Mortgage refinancing: Replacing an existing mortgage to change the rate, the term or the amount borrowed, and what it costs.
• Cash advance loans: Immediate short-term cash, including the difference between a cash advance on credit and a payday-style advance.

The census figures for Naicam

In the 2021 Census, Naicam had 651 residents. 1.6 square kilometres of land are attributed to Naicam.

Population divided by land area produces a density of 417.3 people per square kilometre.

The 2021 Census population places it at rank 218 in the province.

Naicam therefore appears at rank 218 of 733 covered Saskatchewan places, with a density of 417.3 people per square kilometre.

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.

Payday lending is licensed in Saskatchewan; the federal Payday Lending Regulations (SOR/2024-114) publish a cap of $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, and notes that a province may set a lower figure.

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

At 651 residents in the 2021 Census, Naicam is listed alongside the other covered places in Saskatchewan.

Naicam sits at rank 218 within Saskatchewan in this data set, and the provincial rules apply as they do elsewhere.

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

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

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

The density figure for Naicam, 417.3 people per square kilometre, is calculated from the population and land area above.

Naicam appears in the census record with 651 residents, and the density of 417.3 people per square kilometre follows from it.

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

Naicam ranks 218 by 2021 Census population among the covered places in Saskatchewan.

Naicam is one of 733 covered Saskatchewan places, counted at 651 residents with a land area of 1.6 square kilometres.

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

The land area recorded for Naicam is 1.6 square kilometres, and the population is 651 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.

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.

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.