Borrowing in Saint-Gervais, Quebec

With 2,138 residents counted in the 2021 Census, Saint-Gervais sits inside Quebec's provincial lending framework.

The census figures for Saint-Gervais

Saint-Gervais recorded a population of 2,138 in Statistics Canada's 2021 Census of Population. The community covers 89.3 square kilometres of land.

That gives a density of 23.9 people per square kilometre, rounded to one decimal place.

The community is the 387th largest place in the province within this census set.

Within Quebec, Saint-Gervais is place number 387 by population in this census set, at 2,138 residents.

The Quebec rules that apply

The regulator for consumer credit in Quebec is the body listed by the federal Payday Lending Regulations (SOR/2024-114) 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.

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 lender's assessment looks at income, existing obligations, the credit file, and the asset pledged where there is one. A shorter term raises each payment and lowers the total interest, which is the trade every schedule makes.

Products compared here

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

• 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.

Saint-Gervais is one of 1150 covered Quebec places, counted at 2,138 residents with a land area of 89.3 square kilometres.

Saint-Gervais appears in the census record with 2,138 residents, and the density of 23.9 people per square kilometre follows from it.

The land area recorded for Saint-Gervais is 89.3 square kilometres, and the population is 2,138 residents in the 2021 Census.

Saint-Gervais sits at rank 387 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

At 2,138 residents in the 2021 Census, Saint-Gervais is listed alongside the other covered places in Quebec.

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

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

Saint-Gervais ranks 387 by 2021 Census population among the covered places in Quebec.

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

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

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