Compare loans

Borrowing in Spalding No. 368, Saskatchewan

Spalding No. 368, Saskatchewan: 420 residents in the 2021 Census, 811.1 square kilometres of land, and the provincial lending rules that apply across Saskatchewan.

Province Saskatchewan (SK)
Population, 2021 Census 420
Land area 811.1 km²
Provincial regulator See the FCAC list

Spalding No. 368 is one of the Saskatchewan places covered here, with 420 residents recorded in the 2021 Census and the same provincial rulebook as the rest of the province.

Products compared here

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

  • Collateral loans: Borrowing against an asset a lender will hold, from vehicles to savings, and what happens on default.
  • Car loans: Financing a vehicle, including the effect of trade-in equity, negative equity and dealer-arranged credit.

How borrowing works locally

A payday advance is repaid on a pay date, while an instalment loan is repaid over a set number of payments.

A revolving product charges interest on the outstanding balance, while an instalment product charges a fixed schedule of payments. A lender may ask for proof of address, and a permanent address is a standard requirement for consumer credit.

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.

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).

The lowest band groups villages, rural municipalities and small towns, all read against the same provincial rulebook.

The census figures for Spalding No. 368

The 2021 Census counted 420 residents in Spalding No. 368. Statistics Canada lists 811.1 square kilometres of land for the community.

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

The 2021 Census population places it at rank 351 in the province.

Compared with the other 733 covered Saskatchewan places, Spalding No. 368 ranks 351 by population.

Nothing on the Spalding No. 368 page is estimated; the population and land area come from Statistics Canada's 2021 Census of Population.

Where a figure for Spalding No. 368 could not be verified, the page names the publisher instead of printing a number.

Readers comparing Spalding No. 368 with another community can use the same four census fields.

The land area recorded for Spalding No. 368 is 811.1 square kilometres, and the population is 420 residents in the 2021 Census.

Spalding No. 368 appears in the census record with 420 residents, and the density of 0.5 people per square kilometre follows from it.

The density figure for Spalding No. 368, 0.5 people per square kilometre, is calculated from the population and land area above.

The Spalding No. 368 page follows the same structure as every other place page, with population, land area, density and rank.

Spalding No. 368 ranks 351 by 2021 Census population among the covered places in Saskatchewan.

At 420 residents in the 2021 Census, Spalding No. 368 is listed alongside the other covered places in Saskatchewan.

For Spalding No. 368, the two census fields above are the only local statistics used anywhere on the page.

Spalding No. 368 sits at rank 351 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.

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

Population and land area: Statistics Canada, Census of Population 2021, table 98-10-0002.

Borrowing in Spalding No. 368

Personal loans A fixed sum repaid on a schedule, usually unsecured, for almost any purpose a lender will accept. Bad credit loans Borrowing when the credit file is damaged, and what changes about price and security as a result. No credit check loans What lenders who advertise without a credit check actually look at instead, and where the cost goes. Lines of credit A revolving limit you draw on and repay, usually paying interest only on what is outstanding. Unsecured loans Borrowing with no asset pledged, priced for the risk the lender is taking on your file alone. Secured loans Borrowing against an asset, which lowers the price but puts the asset at risk if you default. Car loans Financing a vehicle, including the effect of trade-in equity, negative equity and dealer-arranged credit. Mortgage loans Borrowing against residential property, including how a federally regulated lender tests the file. Home equity loans Converting property equity into credit, and the difference between a lump sum and a revolving limit. Mortgage refinancing Replacing an existing mortgage to change the rate, the term or the amount borrowed, and what it costs. Home renovation loans Paying for work on a property, from a small unsecured instalment loan to a secured renovation product. Business loans Commercial borrowing, what lenders read in a business file, and how the assessment differs from personal credit. Business lines of credit A revolving operating limit for a business, and why it behaves differently from a term loan. Debt consolidation loans Replacing several expensive debts with one payment, and the arithmetic that decides whether it helps. Debt relief programs The formal and informal routes out of unmanageable debt in Canada, and who is licensed to run them. Payday loans Small, short-term advances against a pay date, the most tightly regulated product in Canadian consumer credit. Cash advance loans Immediate short-term cash, including the difference between a cash advance on credit and a payday-style advance. Emergency loans Money for an urgent expense, and the order in which a sensible borrower works through the options. Instalment loans A fixed number of fixed payments, sized larger and longer than a payday advance. Collateral loans Borrowing against an asset a lender will hold, from vehicles to savings, and what happens on default.

Nearby places

Saskatoon 266,141 Regina 226,404 Prince Albert 37,756 Moose Jaw 33,665 Swift Current 16,750 Yorkton 16,280

Frequently asked questions

Related

Compare loan offers

Compare options from Canadian lending partners. We are not a lender and we do not make credit decisions.

See partner options

Advertising disclosure: loanmoose.ca may receive a referral fee if you continue through a partner link. That fee does not change the rate you are offered and it does not change what we publish. We are not a lender. Read the full disclosure.