Borrowing in Saint-Julien, Quebec

Saint-Julien, Quebec, recorded a population of 378 in the 2021 Census; the rules that govern a loan signed there are provincial.

The Quebec rules that apply

Consumer lending in Quebec is licensed provincially or territorially, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators where the current position appears.

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.

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.

How borrowing works locally

Interest on a line of credit accrues only on the drawn portion, not on the unused limit.

Payment history is reported to credit agencies, and that record is what builds or damages a credit file over time. A shorter term raises each payment and lowers the total interest, which is the trade every schedule makes.

The census figures for Saint-Julien

Saint-Julien recorded a population of 378 in Statistics Canada's 2021 Census of Population. Its land area is 81.7 square kilometres.

Dividing population by land area gives 4.6 residents per square kilometre, rounded to one decimal place.

The community is the 1010th largest place in the province within this census set.

Within Quebec, Saint-Julien is place number 1010 by population in this census set, at 378 residents.

Products compared here

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

• 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 density figure for Saint-Julien, 4.6 people per square kilometre, is calculated from the population and land area above.

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

The land area recorded for Saint-Julien is 81.7 square kilometres, and the population is 378 residents in the 2021 Census.

Saint-Julien is one of 1150 covered Quebec places, counted at 378 residents with a land area of 81.7 square kilometres.

Saint-Julien ranks 1010 by 2021 Census population among the covered places in Quebec.

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

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

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

Saint-Julien appears in the census record with 378 residents, and the density of 4.6 people per square kilometre follows from it.

At 378 residents in the 2021 Census, Saint-Julien is listed alongside the other covered places in Quebec.

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

Saint-Julien sits at rank 1010 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.

Statistics Canada's 2021 Census of Population supplies the population and land-area figures, and the federal Payday Lending Regulations (SOR/2024-114) supply the payday position.

Nothing here is an offer, and no page on this site can tell anyone what a lender will decide.