Borrowing in Saint-Théophile, Quebec

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

How borrowing works locally

A deposit or trade-in reduces the amount financed and therefore the interest charged over the term.

A secured product gives the lender a claim on a named asset, which is why its price is usually lower than an unsecured equivalent. A lender may ask for proof of address, and a permanent address is a standard requirement for consumer credit.

Products compared here

These are two of the 20 products described on the site, and each has a national page as well as the provincial rules.

• 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.

The census figures for Saint-Théophile

Population for Saint-Théophile stands at 702 in the 2021 Census. Statistics Canada lists 427.8 square kilometres of land for the community.

That gives a density of 1.6 people per square kilometre, rounded to one decimal place.

By population it ranks 803 among the Quebec places covered here.

Compared with the other 1150 covered Quebec places, Saint-Théophile ranks 803 by population.

The Quebec rules that apply

Consumer lending in Quebec is licensed provincially or territorially, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators where the current position appears.

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.

Small places are covered the same way as large ones: census figures for the place, and the provincial position on lending.

Saint-Théophile appears in the census record with 702 residents, and the density of 1.6 people per square kilometre follows from it.

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

Saint-Théophile ranks 803 by 2021 Census population among the covered places in Quebec.

The land area recorded for Saint-Théophile is 427.8 square kilometres, and the population is 702 residents in the 2021 Census.

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

At 702 residents in the 2021 Census, Saint-Théophile is listed alongside the other covered places in Quebec.

The density figure for Saint-Théophile, 1.6 people per square kilometre, is calculated from the population and land area above.

Saint-Théophile sits at rank 803 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

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

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

Saint-Théophile is one of 1150 covered Quebec places, counted at 702 residents with a land area of 427.8 square kilometres.

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).

The same structure is used for every place covered, so two communities can be compared field by field: population, land area, density, rank, and the provincial rules.