Borrowing in Richelieu, Quebec

Richelieu is one of the Quebec communities covered here, with a 2021 Census population of 5,742, and borrowing there is licensed under Quebec's consumer credit rules.

How borrowing works locally

Provincial licensing decides who may lend, and federal rules add a ceiling where a licensed payday regime exists.

Payment history is reported to credit agencies, and that record is what builds or damages a credit file over time. A lender's assessment looks at income, existing obligations, the credit file, and the asset pledged where there is one.

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 census figures for Richelieu

The 2021 Census counted 5,742 residents in Richelieu. The community covers 31.0 square kilometres of land.

The arithmetic gives 185.5 people per square kilometre.

The 2021 Census population places it at rank 172 in the province.

Richelieu therefore appears at rank 172 of 1150 covered Quebec places, with a density of 185.5 people per square kilometre.

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.

Size changes the census figures, not the rules; this community falls in the lower-middle band.

Richelieu is one of 1150 covered Quebec places, counted at 5,742 residents with a land area of 31.0 square kilometres.

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

Richelieu sits at rank 172 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

The land area recorded for Richelieu is 31.0 square kilometres, and the population is 5,742 residents in the 2021 Census.

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

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

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

Richelieu ranks 172 by 2021 Census population among the covered places in Quebec.

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

At 5,742 residents in the 2021 Census, Richelieu is listed alongside the other covered places in Quebec.

The density figure for Richelieu, 185.5 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.