Borrowing in Cap-Santé, Quebec

With 3,594 residents counted in the 2021 Census, Cap-Santé sits inside Quebec's provincial lending framework.

The Quebec rules that apply

Consumer credit in Quebec is licensed by the provincial or territorial regulator, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators.

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.

Places in the smallest population band are grouped here as small communities, and the pages carry the same census fields and the same provincial rules as the largest city.

How borrowing works locally

Debt management plans are administered by accredited credit counsellors, and they are not loans.

A longer amortisation lowers each payment and raises the total interest paid over the life of the loan. Provincial licensing decides who may lend, and federal rules add a ceiling where a licensed payday regime exists.

The census figures for Cap-Santé

In the 2021 Census, Cap-Santé had 3,594 residents. Its land area is 54.5 square kilometres.

The arithmetic gives 66.0 people per square kilometre.

The community is the 236th largest place in the province within this census set.

Within Quebec, Cap-Santé is place number 236 by population in this census set, at 3,594 residents.

Products compared here

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

• Debt consolidation loans: Replacing several expensive debts with one payment, and the arithmetic that decides whether it helps.
• Personal loans: A fixed sum repaid on a schedule, usually unsecured, for almost any purpose a lender will accept.

The density figure for Cap-Santé, 66.0 people per square kilometre, is calculated from the population and land area above.

The land area recorded for Cap-Santé is 54.5 square kilometres, and the population is 3,594 residents in the 2021 Census.

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

Cap-Santé ranks 236 by 2021 Census population among the covered places in Quebec.

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

Cap-Santé sits at rank 236 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

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

At 3,594 residents in the 2021 Census, Cap-Santé is listed alongside the other covered places in Quebec.

Cap-Santé is one of 1150 covered Quebec places, counted at 3,594 residents with a land area of 54.5 square kilometres.

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

Readers comparing Cap-Santé 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.

Population and land area figures come from Statistics Canada's 2021 Census of Population; regulatory statements are attributed to the federal Payday Lending Regulations (SOR/2024-114).

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