Borrowing in Havelock, Quebec

Havelock is one of the Quebec communities covered here, with a 2021 Census population of 756, and borrowing there is licensed under Quebec's consumer credit rules.

How borrowing works locally

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

A revolving product charges interest on the outstanding balance, while an instalment product charges a fixed schedule of payments. Variable-rate products move with a reference rate, while fixed-rate products set the price for a defined term.

Products compared here

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

• Home renovation loans: Paying for work on a property, from a small unsecured instalment loan to a secured renovation product.
• Emergency loans: Money for an urgent expense, and the order in which a sensible borrower works through the options.

The census figures for Havelock

In the 2021 Census, Havelock had 756 residents. The community covers 88.7 square kilometres of land.

On those two figures, density is 8.5 residents per square kilometre when rounded to one decimal place.

By population it ranks 779 among the Quebec places covered here.

Havelock therefore appears at rank 779 of 1150 covered Quebec places, with a density of 8.5 people per square kilometre.

The Quebec rules that apply

The regulator for consumer credit in Quebec is the body listed by the federal Payday Lending Regulations (SOR/2024-114) 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.

This is a small community by population, inside the lowest band used on this site, and the provincial framework applies without variation.

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

Havelock appears in the census record with 756 residents, and the density of 8.5 people per square kilometre follows from it.

Havelock is one of 1150 covered Quebec places, counted at 756 residents with a land area of 88.7 square kilometres.

At 756 residents in the 2021 Census, Havelock is listed alongside the other covered places in Quebec.

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

Havelock ranks 779 by 2021 Census population among the covered places in Quebec.

Havelock sits at rank 779 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

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

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

The density figure for Havelock, 8.5 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.

Compare the disclosure on any agreement against the provincial ceiling, and treat the census figures as the only local statistics on the page.