Borrowing in Lac-Sergent, Quebec

Lac-Sergent, Quebec, recorded a population of 541 in the 2021 Census; the rules that govern a loan signed there are provincial.

The census figures for Lac-Sergent

In the 2021 Census, Lac-Sergent had 541 residents. The census records a land area of 3.7 square kilometres for Lac-Sergent.

Dividing population by land area gives 145.4 residents per square kilometre, rounded to one decimal place.

The 2021 Census population places it at rank 896 in the province.

Lac-Sergent is one of 1150 places listed for Quebec, ranked 896 by population and measured at 3.7 square kilometres.

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.

• Car loans: Financing a vehicle, including the effect of trade-in equity, negative equity and dealer-arranged credit.
• Debt consolidation loans: Replacing several expensive debts with one payment, and the arithmetic that decides whether it helps.

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.

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.

Small places are covered the same way as large ones: census figures for the place, and the provincial position on lending.

How borrowing works locally

A shorter term raises each payment and lowers the total interest, which is the trade every schedule makes.

A prepayment privilege allows a borrower to pay more than the scheduled amount, sometimes with a charge attached. Disclosure requirements mean the cost of borrowing must be stated before an agreement is signed.

The land area recorded for Lac-Sergent is 3.7 square kilometres, and the population is 541 residents in the 2021 Census.

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

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

Lac-Sergent sits at rank 896 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

At 541 residents in the 2021 Census, Lac-Sergent is listed alongside the other covered places in Quebec.

The density figure for Lac-Sergent, 145.4 people per square kilometre, is calculated from the population and land area above.

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

Lac-Sergent ranks 896 by 2021 Census population among the covered places in Quebec.

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

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

Lac-Sergent appears in the census record with 541 residents, and the density of 145.4 people per square kilometre follows from it.

Lac-Sergent is one of 1150 covered Quebec places, counted at 541 residents with a land area of 3.7 square kilometres.

loanmoose.ca is not a lender and does not make credit decisions. The lowest rates are only available to the most qualified applicants.

Statistics Canada's 2021 Census of Population supplies the population and land-area figures, and the federal Payday Lending Regulations (SOR/2024-114) supply the payday position.

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