Borrowing in Saint-François-de-Sales, Quebec

With 643 residents counted in the 2021 Census, Saint-François-de-Sales sits inside Quebec's provincial lending framework.

How borrowing works locally

Adding a co-signer puts a second file in front of the lender and adds a second person to the obligation.

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 provincial regulator publishes licensing requirements, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators.

Products compared here

The product pages behind this city cover the following borrowing categories, among the 20 products compared nationally.

• Instalment loans: A fixed number of fixed payments, sized larger and longer than a payday advance.
• Secured loans: Borrowing against an asset, which lowers the price but puts the asset at risk if you default.

The census figures for Saint-François-de-Sales

The 2021 Census counted 643 residents in Saint-François-de-Sales. Its land area is 197.2 square kilometres.

The calculated density is 3.3 people per square kilometre.

The community is the 839th largest place in the province within this census set.

Saint-François-de-Sales therefore appears at rank 839 of 1150 covered Quebec places, with a density of 3.3 people per square kilometre.

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.

Payday lending is not licensed in Quebec; the federal Payday Lending Regulations (SOR/2024-114) list Quebec separately from the provinces that operate a licensed payday regime.

At the small end of the census range, the community still borrows inside the province's licensing system.

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

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

Saint-François-de-Sales ranks 839 by 2021 Census population among the covered places in Quebec.

Saint-François-de-Sales sits at rank 839 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

Saint-François-de-Sales appears in the census record with 643 residents, and the density of 3.3 people per square kilometre follows from it.

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

The land area recorded for Saint-François-de-Sales is 197.2 square kilometres, and the population is 643 residents in the 2021 Census.

The density figure for Saint-François-de-Sales, 3.3 people per square kilometre, is calculated from the population and land area above.

At 643 residents in the 2021 Census, Saint-François-de-Sales is listed alongside the other covered places in Quebec.

Saint-François-de-Sales is one of 1150 covered Quebec places, counted at 643 residents with a land area of 197.2 square kilometres.

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

The Saint-François-de-Sales 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).

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