Borrowing in Baie-Saint-Paul, Quebec

Baie-Saint-Paul is one of the Quebec communities covered here, with a 2021 Census population of 7,371, and borrowing there is licensed under Quebec's consumer credit rules.

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.

• Mortgage loans: Borrowing against residential property, including how a federally regulated lender tests the file.
• Debt relief programs: The formal and informal routes out of unmanageable debt in Canada, and who is licensed to run them.

How borrowing works locally

A deposit or trade-in reduces the amount financed and therefore the interest charged over the term.

A prepayment privilege allows a borrower to pay more than the scheduled amount, sometimes with a charge attached. An application usually asks for identification, income evidence, banking details and a statement of obligations.

The Quebec rules that apply

Consumer lending in Quebec is licensed provincially or territorially, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators where the current position appears.

Quebec is the province that does not license payday lending, so the federal cap that applies in licensed provinces has no provincial regime to sit inside.

Municipalities of this size are grouped together here, with the province setting the licensing position for all of them.

The census figures for Baie-Saint-Paul

The 2021 Census counted 7,371 residents in Baie-Saint-Paul. Its land area is 545.9 square kilometres.

On those two figures, density is 13.5 residents per square kilometre when rounded to one decimal place.

By population it ranks 137 among the Quebec places covered here.

Compared with the other 1150 covered Quebec places, Baie-Saint-Paul ranks 137 by population.

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

The land area recorded for Baie-Saint-Paul is 545.9 square kilometres, and the population is 7,371 residents in the 2021 Census.

At 7,371 residents in the 2021 Census, Baie-Saint-Paul is listed alongside the other covered places in Quebec.

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

Baie-Saint-Paul is one of 1150 covered Quebec places, counted at 7,371 residents with a land area of 545.9 square kilometres.

Baie-Saint-Paul appears in the census record with 7,371 residents, and the density of 13.5 people per square kilometre follows from it.

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

Baie-Saint-Paul ranks 137 by 2021 Census population among the covered places in Quebec.

Baie-Saint-Paul sits at rank 137 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

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

Readers comparing Baie-Saint-Paul with another community can use the same four census fields.

The density figure for Baie-Saint-Paul, 13.5 people per square kilometre, is calculated from the population and land area above.

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 Quebec; a municipal boundary does not change them.