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Borrowing in Pointe-à-la-Croix, Quebec

Pointe-à-la-Croix is one of the Quebec communities covered here, with 1,344 people counted in the 2021 Census; this page sets out the local facts and the provincial lending position.

Province Quebec (QC)
Population, 2021 Census 1,344
Land area 390.7 km²
Provincial regulator See the FCAC list

Pointe-à-la-Croix is one of the Quebec places covered here, with 1,344 residents recorded in the 2021 Census and the same provincial rulebook as the rest of the province.

Products compared here

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

  • Lines of credit: A revolving limit you draw on and repay, usually paying interest only on what is outstanding.
  • Home renovation loans: Paying for work on a property, from a small unsecured instalment loan to a secured renovation product.

How borrowing works locally

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

A lender is free to set its own price below the legal ceiling, and it does so according to the risk it reads in the file. A revolving product charges interest on the outstanding balance, while an instalment product charges a fixed schedule of payments.

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.

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.

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

The census figures for Pointe-à-la-Croix

The 2021 Census counted 1,344 residents in Pointe-à-la-Croix. Statistics Canada lists 390.7 square kilometres of land for the community.

Population divided by land area produces a density of 3.4 people per square kilometre.

The community is the 546th largest place in the province within this census set.

Compared with the other 1150 covered Quebec places, Pointe-à-la-Croix ranks 546 by population.

Pointe-à-la-Croix sits at rank 546 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

Readers comparing Pointe-à-la-Croix with another community can use the same four census fields.

The Pointe-à-la-Croix page follows the same structure as every other place page, with population, land area, density and rank.

The land area recorded for Pointe-à-la-Croix is 390.7 square kilometres, and the population is 1,344 residents in the 2021 Census.

The density figure for Pointe-à-la-Croix, 3.4 people per square kilometre, is calculated from the population and land area above.

Nothing on the Pointe-à-la-Croix page is estimated; the population and land area come from Statistics Canada's 2021 Census of Population.

Pointe-à-la-Croix appears in the census record with 1,344 residents, and the density of 3.4 people per square kilometre follows from it.

Pointe-à-la-Croix ranks 546 by 2021 Census population among the covered places in Quebec.

At 1,344 residents in the 2021 Census, Pointe-à-la-Croix is listed alongside the other covered places in Quebec.

Where a figure for Pointe-à-la-Croix could not be verified, the page names the publisher instead of printing a number.

Pointe-à-la-Croix is one of 1150 covered Quebec places, counted at 1,344 residents with a land area of 390.7 square kilometres.

For Pointe-à-la-Croix, the two census fields above are the only local statistics used anywhere on the page.

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

Census figures are from Statistics Canada's 2021 Census of Population, and the payday position is taken from the federal Payday Lending Regulations (SOR/2024-114).

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

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

Borrowing in Pointe-à-la-Croix

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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