Borrowing in Saint-Philippe, Quebec

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

The Quebec rules that apply

Licensing for consumer credit in Quebec sits with the province or territory, and the Financial Consumer Agency of Canada maintains the public list of provincial and territorial regulators.

Quebec does not license payday lending, a fact the federal Payday Lending Regulations (SOR/2024-114) record when it lists the provinces that regulate the product.

In the lower-middle band, pages carry the census figures for the place and the same provincial lending position as larger centres.

How borrowing works locally

A broker arranges credit but does not lend, and the lender remains the party that makes the decision.

A consumer proposal or a bankruptcy is administered by a licensed insolvency trustee rather than by a lender. A payday advance is repaid on a pay date, while an instalment loan is repaid over a set number of payments.

The census figures for Saint-Philippe

7,597 people were counted in Saint-Philippe in the 2021 Census. The community covers 62.0 square kilometres of land.

The arithmetic gives 122.6 people per square kilometre.

Among covered Quebec places, Saint-Philippe sits at rank 133 by population.

Saint-Philippe is one of 1150 places listed for Quebec, ranked 133 by population and measured at 62.0 square kilometres.

Products compared here

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

• No credit check loans: What lenders who advertise without a credit check actually look at instead, and where the cost goes.
• Mortgage refinancing: Replacing an existing mortgage to change the rate, the term or the amount borrowed, and what it costs.

At 7,597 residents in the 2021 Census, Saint-Philippe is listed alongside the other covered places in Quebec.

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

Saint-Philippe ranks 133 by 2021 Census population among the covered places in Quebec.

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

The density figure for Saint-Philippe, 122.6 people per square kilometre, is calculated from the population and land area above.

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

The land area recorded for Saint-Philippe is 62.0 square kilometres, and the population is 7,597 residents in the 2021 Census.

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

Saint-Philippe is one of 1150 covered Quebec places, counted at 7,597 residents with a land area of 62.0 square kilometres.

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

Saint-Philippe appears in the census record with 7,597 residents, and the density of 122.6 people per square kilometre follows from it.

Saint-Philippe sits at rank 133 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.

Statistics Canada's 2021 Census of Population supplies the population and land-area figures, and the federal Payday Lending Regulations (SOR/2024-114) supply the payday position.

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