Borrowing in Saint-Philémon, Quebec

With 680 residents counted in the 2021 Census, Saint-Philémon sits inside Quebec's provincial lending framework.

How borrowing works locally

Variable-rate products move with a reference rate, while fixed-rate products set the price for a defined term.

A lender may ask for proof of address, and a permanent address is a standard requirement for consumer credit. A longer amortisation lowers each payment and raises the total interest paid over the life of the loan.

Products compared here

Two of the 20 covered products appear below, each with the purpose the product is designed for.

• Emergency loans: Money for an urgent expense, and the order in which a sensible borrower works through the options.
• Unsecured loans: Borrowing with no asset pledged, priced for the risk the lender is taking on your file alone.

The census figures for Saint-Philémon

The 2021 Census counted 680 residents in Saint-Philémon. 146.5 square kilometres of land are attributed to Saint-Philémon.

That gives a density of 4.6 people per square kilometre, rounded to one decimal place.

Among covered Quebec places, Saint-Philémon sits at rank 815 by population.

Saint-Philémon therefore appears at rank 815 of 1150 covered Quebec places, with a density of 4.6 people per square kilometre.

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.

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.

Communities of this size are listed here with population, land area and density, and the lending rules remain provincial.

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

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

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

Saint-Philémon ranks 815 by 2021 Census population among the covered places in Quebec.

At 680 residents in the 2021 Census, Saint-Philémon is listed alongside the other covered places in Quebec.

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

Saint-Philémon is one of 1150 covered Quebec places, counted at 680 residents with a land area of 146.5 square kilometres.

The land area recorded for Saint-Philémon is 146.5 square kilometres, and the population is 680 residents in the 2021 Census.

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

Saint-Philémon appears in the census record with 680 residents, and the density of 4.6 people per square kilometre follows from it.

Saint-Philémon sits at rank 815 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.

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.