Borrowing in St.-Charles, Ontario

St.-Charles is one of the Ontario communities covered here, with a 2021 Census population of 1,357, and borrowing there is licensed under Ontario's consumer credit rules.

How borrowing works locally

Payment history is reported to credit agencies, and that record is what builds or damages a credit file over time.

A lender may ask for proof of address, and a permanent address is a standard requirement for consumer credit. Disclosure requirements mean the cost of borrowing must be stated before an agreement is signed.

Products compared here

These are two of the 20 products described on the site, and each has a national page as well as the provincial rules.

• No credit check loans: What lenders who advertise without a credit check actually look at instead, and where the cost goes.
• Mortgage refinancing: Replacing an existing mortgage to change the rate, the term or the amount borrowed, and what it costs.

The census figures for St.-Charles

Statistics Canada's 2021 Census gives St.-Charles a population of 1,357. The census records a land area of 314.5 square kilometres for St.-Charles.

That gives a density of 4.3 people per square kilometre, rounded to one decimal place.

The community is the 334th largest place in the province within this census set.

The place record for St.-Charles covers 314.5 square kilometres and 1,357 residents, a density of 4.3 people per square kilometre.

The Ontario rules that apply

The body that licenses consumer lending in Ontario is the regulator named on the federal Payday Lending Regulations (SOR/2024-114)'s list of provincial and territorial regulators.

The federal payday lending regulations, SOR/2024-114, cap the cost of borrowing at $14 per $100 advanced in Ontario, which the federal Payday Lending Regulations (SOR/2024-114) list as a province that regulates the product.

Communities of this size are listed here with population, land area and density, and the lending rules remain provincial.

St.-Charles sits at rank 334 within Ontario in this data set, and the provincial rules apply as they do elsewhere.

St.-Charles is one of 527 covered Ontario places, counted at 1,357 residents with a land area of 314.5 square kilometres.

At 1,357 residents in the 2021 Census, St.-Charles is listed alongside the other covered places in Ontario.

St.-Charles ranks 334 by 2021 Census population among the covered places in Ontario.

St.-Charles appears in the census record with 1,357 residents, and the density of 4.3 people per square kilometre follows from it.

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

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

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

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

The density figure for St.-Charles, 4.3 people per square kilometre, is calculated from the population and land area above.

Readers comparing St.-Charles 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.

Lending rules change, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators where the current position is confirmed.