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Borrowing in Baie-des-Sables, Quebec

Baie-des-Sables, Quebec: 613 residents in the 2021 Census, 65.1 square kilometres of land, and the provincial lending rules that apply across Quebec.

Province Quebec (QC)
Population, 2021 Census 613
Land area 65.1 km²
Provincial regulator See the FCAC list

Baie-des-Sables, Quebec, recorded a population of 613 in the 2021 Census; the rules that govern a loan signed there are provincial.

How borrowing works locally

A mortgage is registered against the property, which is what gives the lender its claim.

A deposit or trade-in reduces the amount financed and therefore the interest charged over the term. A secured product gives the lender a claim on a named asset, which is why its price is usually lower than an unsecured equivalent.

Products compared here

Two of the 20 covered products appear below, each with the purpose the product is designed for.

  • Personal loans: A fixed sum repaid on a schedule, usually unsecured, for almost any purpose a lender will accept.
  • Mortgage loans: Borrowing against residential property, including how a federally regulated lender tests the file.

The census figures for Baie-des-Sables

613 people were counted in Baie-des-Sables in the 2021 Census. 65.1 square kilometres of land are attributed to Baie-des-Sables.

The calculated density is 9.4 people per square kilometre.

The 2021 Census population places it at rank 857 in the province.

Baie-des-Sables sits at rank 857 among the 1150 Quebec places here, with 613 residents in the 2021 Census.

The Quebec rules that apply

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

Quebec does not license payday lending, a fact the federal Payday Lending Regulations (SOR/2024-114) record when it lists the provinces that regulate the product.

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

Baie-des-Sables sits at rank 857 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

For Baie-des-Sables, the two census fields above are the only local statistics used anywhere on the page.

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

Baie-des-Sables is one of 1150 covered Quebec places, counted at 613 residents with a land area of 65.1 square kilometres.

Baie-des-Sables appears in the census record with 613 residents, and the density of 9.4 people per square kilometre follows from it.

Where a figure for Baie-des-Sables could not be verified, the page names the publisher instead of printing a number.

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

The density figure for Baie-des-Sables, 9.4 people per square kilometre, is calculated from the population and land area above.

At 613 residents in the 2021 Census, Baie-des-Sables is listed alongside the other covered places in Quebec.

The land area recorded for Baie-des-Sables is 65.1 square kilometres, and the population is 613 residents in the 2021 Census.

Readers comparing Baie-des-Sables 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.

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.

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

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

Borrowing in Baie-des-Sables

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

Montréal 1,762,949 Québec 549,459 Laval 438,366 Gatineau 291,041 Longueuil 254,483 Sherbrooke 172,950

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