Borrowing in Saint-Pierre, Quebec

Saint-Pierre, Quebec, recorded a population of 286 in the 2021 Census; the rules that govern a loan signed there are provincial.

The Quebec rules that apply

Provincial or territorial law decides who may lend in Quebec, and the Financial Consumer Agency of Canada publishes the list that names the regulator responsible.

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.

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

The census figures for Saint-Pierre

Statistics Canada's 2021 Census gives Saint-Pierre a population of 286. 9.7 square kilometres of land are attributed to Saint-Pierre.

The calculated density is 29.5 people per square kilometre.

By population it ranks 1072 among the Quebec places covered here.

Compared with the other 1150 covered Quebec places, Saint-Pierre ranks 1072 by population.

Products compared here

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

• Personal loans: A fixed sum repaid on a schedule, usually unsecured, for almost any purpose a lender will accept.
• Mortgage loans: Borrowing against residential property, including how a federally regulated lender tests the file.

How borrowing works locally

Adding a co-signer puts a second file in front of the lender and adds a second person to the obligation.

A lender's assessment looks at income, existing obligations, the credit file, and the asset pledged where there is one. Disclosure requirements mean the cost of borrowing must be stated before an agreement is signed.

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

The density figure for Saint-Pierre, 29.5 people per square kilometre, is calculated from the population and land area above.

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

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

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

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

Saint-Pierre appears in the census record with 286 residents, and the density of 29.5 people per square kilometre follows from it.

At 286 residents in the 2021 Census, Saint-Pierre is listed alongside the other covered places in Quebec.

Saint-Pierre is one of 1150 covered Quebec places, counted at 286 residents with a land area of 9.7 square kilometres.

Saint-Pierre ranks 1072 by 2021 Census population among the covered places in Quebec.

Saint-Pierre sits at rank 1072 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

The land area recorded for Saint-Pierre is 9.7 square kilometres, and the population is 286 residents in the 2021 Census.

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.

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