Borrowing in Saint-Alban, Quebec

Saint-Alban, Quebec, recorded a population of 1,196 in the 2021 Census; the rules that govern a loan signed there are provincial.

The Quebec rules that apply

Consumer lending in Quebec is licensed provincially or territorially, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators where the current position appears.

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 Saint-Alban

Population for Saint-Alban stands at 1,196 in the 2021 Census. Its land area is 148.5 square kilometres.

On those two figures, density is 8.1 residents per square kilometre when rounded to one decimal place.

The 2021 Census population places it at rank 580 in the province.

Compared with the other 1150 covered Quebec places, Saint-Alban ranks 580 by population.

Products compared here

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

• Home equity loans: Converting property equity into credit, and the difference between a lump sum and a revolving limit.
• Payday loans: Small, short-term advances against a pay date, the most tightly regulated product in Canadian consumer credit.

How borrowing works locally

A credit file is compiled by private agencies from information lenders and other creditors report.

A shorter term raises each payment and lowers the total interest, which is the trade every schedule makes. Disclosure requirements mean the cost of borrowing must be stated before an agreement is signed.

The land area recorded for Saint-Alban is 148.5 square kilometres, and the population is 1,196 residents in the 2021 Census.

At 1,196 residents in the 2021 Census, Saint-Alban is listed alongside the other covered places in Quebec.

Saint-Alban ranks 580 by 2021 Census population among the covered places in Quebec.

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

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

The density figure for Saint-Alban, 8.1 people per square kilometre, is calculated from the population and land area above.

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

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

Saint-Alban is one of 1150 covered Quebec places, counted at 1,196 residents with a land area of 148.5 square kilometres.

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

Saint-Alban sits at rank 580 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

Saint-Alban appears in the census record with 1,196 residents, and the density of 8.1 people per square kilometre follows from it.

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.