Borrowing in Saint-Lambert, Quebec

A loan taken out in Saint-Lambert is governed by Quebec's licensing rules, and the 2021 Census counted 191 people in the community.

The census figures for Saint-Lambert

Statistics Canada's 2021 Census gives Saint-Lambert a population of 191. 99.8 square kilometres of land are attributed to Saint-Lambert.

The arithmetic gives 1.9 people per square kilometre.

By population it ranks 1119 among the Quebec places covered here.

Compared with the other 1150 covered Quebec places, Saint-Lambert ranks 1119 by population.

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.

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.

Small places are covered the same way as large ones: census figures for the place, and the provincial position on lending.

How borrowing works locally

Disclosure requirements mean the cost of borrowing must be stated before an agreement is signed.

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

Products compared here

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

• 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.

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

Saint-Lambert sits at rank 1119 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

Saint-Lambert is one of 1150 covered Quebec places, counted at 191 residents with a land area of 99.8 square kilometres.

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

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

Saint-Lambert appears in the census record with 191 residents, and the density of 1.9 people per square kilometre follows from it.

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

The land area recorded for Saint-Lambert is 99.8 square kilometres, and the population is 191 residents in the 2021 Census.

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

At 191 residents in the 2021 Census, Saint-Lambert is listed alongside the other covered places in Quebec.

The density figure for Saint-Lambert, 1.9 people per square kilometre, is calculated from the population and land area above.

Saint-Lambert ranks 1119 by 2021 Census population among the covered places in Quebec.

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).

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