Borrowing in Saint-Malachie, Quebec

A loan taken out in Saint-Malachie is governed by Quebec's licensing rules, and the 2021 Census counted 1,667 people in the community.

Products compared here

The product pages behind this city cover the following borrowing categories, among the 20 products compared nationally.

• Business lines of credit: A revolving operating limit for a business, and why it behaves differently from a term loan.
• Collateral loans: Borrowing against an asset a lender will hold, from vehicles to savings, and what happens on default.

How borrowing works locally

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

Payment history is reported to credit agencies, and that record is what builds or damages a credit file over time. Adding a co-signer puts a second file in front of the lender and adds a second person to the obligation.

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.

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.

The census figures for Saint-Malachie

Saint-Malachie recorded a population of 1,667 in Statistics Canada's 2021 Census of Population. Land area for Saint-Malachie is 101.1 square kilometres in the same census.

That gives a density of 16.5 people per square kilometre, rounded to one decimal place.

Saint-Malachie ranks 474 by population among the Quebec places on this site.

Saint-Malachie sits at rank 474 among the 1150 Quebec places here, with 1,667 residents in the 2021 Census.

The land area recorded for Saint-Malachie is 101.1 square kilometres, and the population is 1,667 residents in the 2021 Census.

Saint-Malachie ranks 474 by 2021 Census population among the covered places in Quebec.

At 1,667 residents in the 2021 Census, Saint-Malachie is listed alongside the other covered places in Quebec.

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

Saint-Malachie is one of 1150 covered Quebec places, counted at 1,667 residents with a land area of 101.1 square kilometres.

The density figure for Saint-Malachie, 16.5 people per square kilometre, is calculated from the population and land area above.

Saint-Malachie appears in the census record with 1,667 residents, and the density of 16.5 people per square kilometre follows from it.

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

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

Saint-Malachie sits at rank 474 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

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

loanmoose.ca is not a lender and does not make credit decisions. The lowest rates are only available to the most qualified applicants.

The 2021 Census of Population published by Statistics Canada is the source for population and land area; the federal Payday Lending Regulations (SOR/2024-114) are the source for payday rules.

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