Borrowing in Saint-Prosper-de-Champlain, Quebec

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

The Quebec rules that apply

Consumer credit in Quebec is licensed by the provincial or territorial regulator, and the Financial Consumer Agency of Canada publishes the 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.

Places in the smallest population band are grouped here as small communities, and the pages carry the same census fields and the same provincial rules as the largest city.

How borrowing works locally

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

Joint applications combine two incomes and two sets of obligations in the same assessment. Provincial licensing decides who may lend, and federal rules add a ceiling where a licensed payday regime exists.

The census figures for Saint-Prosper-de-Champlain

Statistics Canada's 2021 Census gives Saint-Prosper-de-Champlain a population of 482. Statistics Canada lists 94.1 square kilometres of land for the community.

Population divided by land area produces a density of 5.1 people per square kilometre.

Its provincial population rank is 938 within this data set.

Within Quebec, Saint-Prosper-de-Champlain is place number 938 by population in this census set, at 482 residents.

Products compared here

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

• 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.

The land area recorded for Saint-Prosper-de-Champlain is 94.1 square kilometres, and the population is 482 residents in the 2021 Census.

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

Saint-Prosper-de-Champlain sits at rank 938 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

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

Saint-Prosper-de-Champlain ranks 938 by 2021 Census population among the covered places in Quebec.

The density figure for Saint-Prosper-de-Champlain, 5.1 people per square kilometre, is calculated from the population and land area above.

Readers comparing Saint-Prosper-de-Champlain with another community can use the same four census fields.

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

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

Saint-Prosper-de-Champlain is one of 1150 covered Quebec places, counted at 482 residents with a land area of 94.1 square kilometres.

Saint-Prosper-de-Champlain appears in the census record with 482 residents, and the density of 5.1 people per square kilometre follows from it.

At 482 residents in the 2021 Census, Saint-Prosper-de-Champlain is listed alongside the other covered places in Quebec.

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.