Borrowing in Clerval, Quebec

Clerval is one of the Quebec communities covered here, with a 2021 Census population of 373, and borrowing there is licensed under Quebec's consumer credit rules.

The census figures for Clerval

In the 2021 Census, Clerval had 373 residents. Statistics Canada lists 99.2 square kilometres of land for the community.

Dividing population by land area gives 3.8 residents per square kilometre, rounded to one decimal place.

By population it ranks 1015 among the Quebec places covered here.

Within Quebec, Clerval is place number 1015 by population in this census set, at 373 residents.

Products compared here

The product pages behind this city cover the following borrowing categories, among the 20 products compared nationally.

• Unsecured loans: Borrowing with no asset pledged, priced for the risk the lender is taking on your file alone.
• Business loans: Commercial borrowing, what lenders read in a business file, and how the assessment differs from personal credit.

The Quebec rules that apply

Licensing for consumer credit in Quebec sits with the province or territory, and the Financial Consumer Agency of Canada maintains the public list of provincial and territorial regulators.

Because Quebec does not license payday lending, no provincial payday cap applies there, and the federal Payday Lending Regulations (SOR/2024-114) note the distinction.

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

How borrowing works locally

A longer amortisation lowers each payment and raises the total interest paid over the life of the loan.

A payday advance is repaid on a pay date, while an instalment loan is repaid over a set number of payments. A credit file is compiled by private agencies from information lenders and other creditors report.

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

Clerval appears in the census record with 373 residents, and the density of 3.8 people per square kilometre follows from it.

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

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

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

Clerval sits at rank 1015 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

The density figure for Clerval, 3.8 people per square kilometre, is calculated from the population and land area above.

Clerval is one of 1150 covered Quebec places, counted at 373 residents with a land area of 99.2 square kilometres.

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

The land area recorded for Clerval is 99.2 square kilometres, and the population is 373 residents in the 2021 Census.

Clerval ranks 1015 by 2021 Census population among the covered places in Quebec.

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).

The same structure is used for every place covered, so two communities can be compared field by field: population, land area, density, rank, and the provincial rules.