Borrowing in Saint-Pacôme, Quebec

This page covers borrowing in Saint-Pacôme, Quebec: the census facts, the provincial rules, and the products people compare.

The Quebec rules that apply

The body that licenses consumer lending in Quebec is the regulator named on the federal Payday Lending Regulations (SOR/2024-114)'s list of provincial and territorial regulators.

Payday lending is not licensed in Quebec; the federal Payday Lending Regulations (SOR/2024-114) list Quebec separately from the provinces that operate a licensed payday regime.

This is a small community by population, inside the lowest band used on this site, and the provincial framework applies without variation.

The census figures for Saint-Pacôme

In the 2021 Census, Saint-Pacôme had 1,806 residents. Land area for Saint-Pacôme is 29.1 square kilometres in the same census.

On those two figures, density is 62.1 residents per square kilometre when rounded to one decimal place.

Among covered Quebec places, Saint-Pacôme sits at rank 436 by population.

Compared with the other 1150 covered Quebec places, Saint-Pacôme ranks 436 by population.

Products compared here

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

• Collateral loans: Borrowing against an asset a lender will hold, from vehicles to savings, and what happens on default.
• Car loans: Financing a vehicle, including the effect of trade-in equity, negative equity and dealer-arranged credit.

How borrowing works locally

A longer amortisation lowers each payment and raises the total interest paid over the life of the loan.

A revolving product charges interest on the outstanding balance, while an instalment product charges a fixed schedule of payments. Payment history is reported to credit agencies, and that record is what builds or damages a credit file over time.

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

Saint-Pacôme appears in the census record with 1,806 residents, and the density of 62.1 people per square kilometre follows from it.

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

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

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

Saint-Pacôme sits at rank 436 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

Saint-Pacôme is one of 1150 covered Quebec places, counted at 1,806 residents with a land area of 29.1 square kilometres.

Saint-Pacôme ranks 436 by 2021 Census population among the covered places in Quebec.

The land area recorded for Saint-Pacôme is 29.1 square kilometres, and the population is 1,806 residents in the 2021 Census.

The density figure for Saint-Pacôme, 62.1 people per square kilometre, is calculated from the population and land area above.

At 1,806 residents in the 2021 Census, Saint-Pacôme is listed alongside the other covered places in Quebec.

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

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.