Borrowing in Saint-Charles-de-Bellechasse, Quebec

Saint-Charles-de-Bellechasse, Quebec, recorded a population of 2,583 in the 2021 Census; the rules that govern a loan signed there are provincial.

The Quebec rules that apply

The body that licenses consumer lending in Quebec is the regulator named on the federal Payday Lending Regulations (SOR/2024-114)'s list of 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.

Small places are covered the same way as large ones: census figures for the place, and the provincial position on lending.

The census figures for Saint-Charles-de-Bellechasse

Statistics Canada's 2021 Census gives Saint-Charles-de-Bellechasse a population of 2,583. The census records a land area of 93.3 square kilometres for Saint-Charles-de-Bellechasse.

On those two figures, density is 27.7 residents per square kilometre when rounded to one decimal place.

The 2021 Census population places it at rank 322 in the province.

Compared with the other 1150 covered Quebec places, Saint-Charles-de-Bellechasse ranks 322 by population.

Products compared here

Each product below has its own page, and the Quebec position applies to all of them.

• No credit check loans: What lenders who advertise without a credit check actually look at instead, and where the cost goes.
• Mortgage refinancing: Replacing an existing mortgage to change the rate, the term or the amount borrowed, and what it costs.

How borrowing works locally

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 longer amortisation lowers each payment and raises the total interest paid over the life of the loan. A prepayment privilege allows a borrower to pay more than the scheduled amount, sometimes with a charge attached.

Saint-Charles-de-Bellechasse is one of 1150 covered Quebec places, counted at 2,583 residents with a land area of 93.3 square kilometres.

Saint-Charles-de-Bellechasse appears in the census record with 2,583 residents, and the density of 27.7 people per square kilometre follows from it.

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

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

The density figure for Saint-Charles-de-Bellechasse, 27.7 people per square kilometre, is calculated from the population and land area above.

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

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

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

The land area recorded for Saint-Charles-de-Bellechasse is 93.3 square kilometres, and the population is 2,583 residents in the 2021 Census.

At 2,583 residents in the 2021 Census, Saint-Charles-de-Bellechasse is listed alongside the other covered places in Quebec.

Saint-Charles-de-Bellechasse sits at rank 322 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

Saint-Charles-de-Bellechasse ranks 322 by 2021 Census population among the covered places in Quebec.

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.