Borrowing in Saint-Épiphane, Quebec

Saint-Épiphane is one of the Quebec communities covered here, with a 2021 Census population of 836, and borrowing there is licensed under Quebec's consumer credit rules.

The census figures for Saint-Épiphane

Statistics Canada's 2021 Census gives Saint-Épiphane a population of 836. Its land area is 82.8 square kilometres.

That gives a density of 10.1 people per square kilometre, rounded to one decimal place.

The 2021 Census population places it at rank 739 in the province.

The place record for Saint-Épiphane covers 82.8 square kilometres and 836 residents, a density of 10.1 people per square kilometre.

Products compared here

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

• Home renovation loans: Paying for work on a property, from a small unsecured instalment loan to a secured renovation product.
• Emergency loans: Money for an urgent expense, and the order in which a sensible borrower works through the options.

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.

For Quebec, the federal Payday Lending Regulations (SOR/2024-114) record that payday lending is not licensed, so the cost limit should be confirmed with the provincial regulator.

The lowest band groups villages, rural municipalities and small towns, all read against the same provincial rulebook.

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 payday advance is repaid on a pay date, while an instalment loan is repaid over a set number of payments. A broker arranges credit but does not lend, and the lender remains the party that makes the decision.

Saint-Épiphane sits at rank 739 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

At 836 residents in the 2021 Census, Saint-Épiphane is listed alongside the other covered places in Quebec.

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

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

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

The land area recorded for Saint-Épiphane is 82.8 square kilometres, and the population is 836 residents in the 2021 Census.

Saint-Épiphane appears in the census record with 836 residents, and the density of 10.1 people per square kilometre follows from it.

The density figure for Saint-Épiphane, 10.1 people per square kilometre, is calculated from the population and land area above.

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

Saint-Épiphane is one of 1150 covered Quebec places, counted at 836 residents with a land area of 82.8 square kilometres.

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

Saint-Épiphane ranks 739 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.

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.

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