Borrowing in Saint-Pamphile, Quebec

Saint-Pamphile is one of the Quebec places covered here, with 2,274 residents recorded in the 2021 Census and the same provincial rulebook as the rest of the province.

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.

Because Quebec does not license payday lending, no provincial payday cap applies there, and the federal Payday Lending Regulations (SOR/2024-114) note the distinction.

At the small end of the census range, the community still borrows inside the province's licensing system.

The census figures for Saint-Pamphile

The 2021 Census counted 2,274 residents in Saint-Pamphile. 137.8 square kilometres of land are attributed to Saint-Pamphile.

On those two figures, density is 16.5 residents per square kilometre when rounded to one decimal place.

Its provincial population rank is 364 within this data set.

Within Quebec, Saint-Pamphile is place number 364 by population in this census set, at 2,274 residents.

Products compared here

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

• Secured loans: Borrowing against an asset, which lowers the price but puts the asset at risk if you default.
• Business lines of credit: A revolving operating limit for a business, and why it behaves differently from a term loan.

How borrowing works locally

An application usually asks for identification, income evidence, banking details and a statement of obligations.

Payment history is reported to credit agencies, and that record is what builds or damages a credit file over time. A lender's assessment looks at income, existing obligations, the credit file, and the asset pledged where there is one.

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

Saint-Pamphile ranks 364 by 2021 Census population among the covered places in Quebec.

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

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

The land area recorded for Saint-Pamphile is 137.8 square kilometres, and the population is 2,274 residents in the 2021 Census.

Saint-Pamphile is one of 1150 covered Quebec places, counted at 2,274 residents with a land area of 137.8 square kilometres.

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

At 2,274 residents in the 2021 Census, Saint-Pamphile is listed alongside the other covered places in Quebec.

Saint-Pamphile sits at rank 364 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

Saint-Pamphile appears in the census record with 2,274 residents, and the density of 16.5 people per square kilometre follows from it.

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

Population and land area figures come from Statistics Canada's 2021 Census of Population; regulatory statements are attributed to 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.