Borrowing in Spiritwood, Saskatchewan

Spiritwood is one of the Saskatchewan places covered here, with 966 residents recorded in the 2021 Census and the same provincial rulebook as the rest of the province.

The census figures for Spiritwood

Statistics Canada's 2021 Census gives Spiritwood a population of 966. Its land area is 2.9 square kilometres.

The arithmetic gives 332.0 people per square kilometre.

The community is the 132nd largest place in the province within this census set.

The place record for Spiritwood covers 2.9 square kilometres and 966 residents, a density of 332.0 people per square kilometre.

The Saskatchewan rules that apply

The regulator for consumer credit in Saskatchewan is the body listed by the federal Payday Lending Regulations (SOR/2024-114) 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.

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

How borrowing works locally

A lender's assessment looks at income, existing obligations, the credit file, and the asset pledged where there is one.

A secured product gives the lender a claim on a named asset, which is why its price is usually lower than an unsecured equivalent. Disclosure requirements mean the cost of borrowing must be stated before an agreement is signed.

Products compared here

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

• Secured loans: Borrowing against an asset, which lowers the price but puts the asset at risk if you default.
• Business lines of credit: A revolving operating limit for a business, and why it behaves differently from a term loan.

The density figure for Spiritwood, 332.0 people per square kilometre, is calculated from the population and land area above.

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

Spiritwood is one of 733 covered Saskatchewan places, counted at 966 residents with a land area of 2.9 square kilometres.

At 966 residents in the 2021 Census, Spiritwood is listed alongside the other covered places in Saskatchewan.

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

Spiritwood appears in the census record with 966 residents, and the density of 332.0 people per square kilometre follows from it.

The land area recorded for Spiritwood is 2.9 square kilometres, and the population is 966 residents in the 2021 Census.

Spiritwood ranks 132 by 2021 Census population among the covered places in Saskatchewan.

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

Spiritwood sits at rank 132 within Saskatchewan in this data set, and the provincial rules apply as they do elsewhere.

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

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

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.