Borrowing in Saint-Ambroise-de-Kildare, Quebec

Saint-Ambroise-de-Kildare is one of the Quebec communities covered here, with a 2021 Census population of 4,090, and borrowing there is licensed under Quebec's consumer credit rules.

The Quebec rules that apply

Provincial or territorial law decides who may lend in Quebec, and the Financial Consumer Agency of Canada publishes the list that names the regulator responsible.

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.

How borrowing works locally

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

Adding a co-signer puts a second file in front of the lender and adds a second person to the obligation. A shorter term raises each payment and lowers the total interest, which is the trade every schedule makes.

The census figures for Saint-Ambroise-de-Kildare

Population for Saint-Ambroise-de-Kildare stands at 4,090 in the 2021 Census. The census records a land area of 67.7 square kilometres for Saint-Ambroise-de-Kildare.

The calculated density is 60.4 people per square kilometre.

Its provincial population rank is 212 within this data set.

Within Quebec, Saint-Ambroise-de-Kildare is place number 212 by population in this census set, at 4,090 residents.

Products compared here

Among the 20 products compared here, these two are commonly used for the purposes described.

• Secured loans: Borrowing against an asset, which lowers the price but puts the asset at risk if you default.
• Business lines of credit: A revolving operating limit for a business, and why it behaves differently from a term loan.

Readers comparing Saint-Ambroise-de-Kildare with another community can use the same four census fields.

The density figure for Saint-Ambroise-de-Kildare, 60.4 people per square kilometre, is calculated from the population and land area above.

Saint-Ambroise-de-Kildare ranks 212 by 2021 Census population among the covered places in Quebec.

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

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

Saint-Ambroise-de-Kildare is one of 1150 covered Quebec places, counted at 4,090 residents with a land area of 67.7 square kilometres.

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

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

Saint-Ambroise-de-Kildare appears in the census record with 4,090 residents, and the density of 60.4 people per square kilometre follows from it.

At 4,090 residents in the 2021 Census, Saint-Ambroise-de-Kildare is listed alongside the other covered places in Quebec.

Saint-Ambroise-de-Kildare sits at rank 212 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

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).

The same structure is used for every place covered, so two communities can be compared field by field: population, land area, density, rank, and the provincial rules.