Borrowing in Saint-Germain, Quebec

With 294 residents counted in the 2021 Census, Saint-Germain sits inside Quebec's provincial lending framework.

The census figures for Saint-Germain

Saint-Germain recorded a population of 294 in Statistics Canada's 2021 Census of Population. The census records a land area of 28.5 square kilometres for Saint-Germain.

Population divided by land area produces a density of 10.3 people per square kilometre.

Its provincial population rank is 1063 within this data set.

Saint-Germain therefore appears at rank 1063 of 1150 covered Quebec places, with a density of 10.3 people per square kilometre.

Products compared here

The site describes 20 products in total; the two below are representative of the range.

• Payday loans: Small, short-term advances against a pay date, the most tightly regulated product in Canadian consumer credit.
• No credit check loans: What lenders who advertise without a credit check actually look at instead, and where the cost goes.

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.

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.

Communities of this size are listed here with population, land area and density, and the lending rules remain provincial.

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. Payment history is reported to credit agencies, and that record is what builds or damages a credit file over time.

Saint-Germain is one of 1150 covered Quebec places, counted at 294 residents with a land area of 28.5 square kilometres.

Saint-Germain sits at rank 1063 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

The land area recorded for Saint-Germain is 28.5 square kilometres, and the population is 294 residents in the 2021 Census.

The density figure for Saint-Germain, 10.3 people per square kilometre, is calculated from the population and land area above.

Saint-Germain appears in the census record with 294 residents, and the density of 10.3 people per square kilometre follows from it.

Saint-Germain ranks 1063 by 2021 Census population among the covered places in Quebec.

At 294 residents in the 2021 Census, Saint-Germain is listed alongside the other covered places in Quebec.

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

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

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

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

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

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.