Borrowing in Saint-Joachim, Quebec

A loan taken out in Saint-Joachim is governed by Quebec's licensing rules, and the 2021 Census counted 1,427 people in the community.

How borrowing works locally

A revolving product charges interest on the outstanding balance, while an instalment product charges a fixed schedule of payments.

A consumer proposal or a bankruptcy is administered by a licensed insolvency trustee rather than by a lender. Joint applications combine two incomes and two sets of obligations in the same assessment.

Products compared here

Among the 20 products compared here, these two are commonly used for the purposes described.

• Cash advance loans: Immediate short-term cash, including the difference between a cash advance on credit and a payday-style advance.
• Lines of credit: A revolving limit you draw on and repay, usually paying interest only on what is outstanding.

The census figures for Saint-Joachim

The 2021 Census counted 1,427 residents in Saint-Joachim. Its land area is 42.3 square kilometres.

On those two figures, density is 33.7 residents per square kilometre when rounded to one decimal place.

Its provincial population rank is 521 within this data set.

Saint-Joachim sits at rank 521 among the 1150 Quebec places here, with 1,427 residents in the 2021 Census.

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.

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.

Places in the smallest population band are grouped here as small communities, and the pages carry the same census fields and the same provincial rules as the largest city.

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

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

At 1,427 residents in the 2021 Census, Saint-Joachim is listed alongside the other covered places in Quebec.

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

The land area recorded for Saint-Joachim is 42.3 square kilometres, and the population is 1,427 residents in the 2021 Census.

Saint-Joachim is one of 1150 covered Quebec places, counted at 1,427 residents with a land area of 42.3 square kilometres.

The density figure for Saint-Joachim, 33.7 people per square kilometre, is calculated from the population and land area above.

Saint-Joachim appears in the census record with 1,427 residents, and the density of 33.7 people per square kilometre follows from it.

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

Saint-Joachim ranks 521 by 2021 Census population among the covered places in Quebec.

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

Saint-Joachim sits at rank 521 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

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.