Borrowing in Saint-Alfred, Quebec

Saint-Alfred is one of the Quebec communities covered here, with a 2021 Census population of 519, and borrowing there is licensed under Quebec's consumer credit rules.

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.

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.

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

The census figures for Saint-Alfred

The 2021 Census counted 519 residents in Saint-Alfred. Land area for Saint-Alfred is 43.5 square kilometres in the same census.

Population divided by land area produces a density of 11.9 people per square kilometre.

Among covered Quebec places, Saint-Alfred sits at rank 912 by population.

Saint-Alfred therefore appears at rank 912 of 1150 covered Quebec places, with a density of 11.9 people per square kilometre.

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.

• 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.

How borrowing works locally

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. A lender's assessment looks at income, existing obligations, the credit file, and the asset pledged where there is one.

Saint-Alfred is one of 1150 covered Quebec places, counted at 519 residents with a land area of 43.5 square kilometres.

At 519 residents in the 2021 Census, Saint-Alfred is listed alongside the other covered places in Quebec.

Saint-Alfred ranks 912 by 2021 Census population among the covered places in Quebec.

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

The density figure for Saint-Alfred, 11.9 people per square kilometre, is calculated from the population and land area above.

Saint-Alfred sits at rank 912 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

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

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

Saint-Alfred appears in the census record with 519 residents, and the density of 11.9 people per square kilometre follows from it.

The land area recorded for Saint-Alfred is 43.5 square kilometres, and the population is 519 residents in the 2021 Census.

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

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

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

Population and land area figures come from Statistics Canada's 2021 Census of Population; regulatory statements are attributed to the federal Payday Lending Regulations (SOR/2024-114).

The provincial rules apply wherever a borrower is in Quebec; a municipal boundary does not change them.