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Borrowing in Lac-Saint-Joseph, Quebec

How borrowing works in Lac-Saint-Joseph, Quebec, where the 2021 Census counted 304 residents.

Province Quebec (QC)
Population, 2021 Census 304
Land area 33.6 km²
Provincial regulator See the FCAC list

Lac-Saint-Joseph, Quebec, recorded a population of 304 in the 2021 Census; the rules that govern a loan signed there are provincial.

How borrowing works locally

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

A lender may ask for proof of address, and a permanent address is a standard requirement for consumer credit. Disclosure requirements mean the cost of borrowing must be stated before an agreement is signed.

Products compared here

Among the 20 products compared here, these two are commonly used for the purposes described.

  • 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 census figures for Lac-Saint-Joseph

In the 2021 Census, Lac-Saint-Joseph had 304 residents. The community covers 33.6 square kilometres of land.

The arithmetic gives 9.0 people per square kilometre.

The 2021 Census population places it at rank 1055 in the province.

Lac-Saint-Joseph therefore appears at rank 1055 of 1150 covered Quebec places, with a density of 9.0 people per square kilometre.

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.

The federal Payday Lending Regulations (SOR/2024-114) are explicit that Quebec does not license payday lending, which changes which rules a short-term advance falls under.

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

The land area recorded for Lac-Saint-Joseph is 33.6 square kilometres, and the population is 304 residents in the 2021 Census.

Lac-Saint-Joseph appears in the census record with 304 residents, and the density of 9.0 people per square kilometre follows from it.

The density figure for Lac-Saint-Joseph, 9.0 people per square kilometre, is calculated from the population and land area above.

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

Lac-Saint-Joseph ranks 1055 by 2021 Census population among the covered places in Quebec.

At 304 residents in the 2021 Census, Lac-Saint-Joseph is listed alongside the other covered places in Quebec.

Readers comparing Lac-Saint-Joseph with another community can use the same four census fields.

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

Lac-Saint-Joseph is one of 1150 covered Quebec places, counted at 304 residents with a land area of 33.6 square kilometres.

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

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

Lac-Saint-Joseph sits at rank 1055 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

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.

Nothing here is an offer, and no page on this site can tell anyone what a lender will decide.

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

Borrowing in Lac-Saint-Joseph

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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