Borrowing in Sainte-Émélie-de-l'Énergie, Quebec

Sainte-Émélie-de-l'Énergie, Quebec, recorded a population of 1,741 in the 2021 Census; the rules that govern a loan signed there are provincial.

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.

The lowest band groups villages, rural municipalities and small towns, all read against the same provincial rulebook.

How borrowing works locally

A lender's assessment looks at income, existing obligations, the credit file, and the asset pledged where there is one.

Variable-rate products move with a reference rate, while fixed-rate products set the price for a defined term. Joint applications combine two incomes and two sets of obligations in the same assessment.

The census figures for Sainte-Émélie-de-l'Énergie

In the 2021 Census, Sainte-Émélie-de-l'Énergie had 1,741 residents. 150.1 square kilometres of land are attributed to Sainte-Émélie-de-l'Énergie.

Population divided by land area produces a density of 11.6 people per square kilometre.

The 2021 Census population places it at rank 452 in the province.

Compared with the other 1150 covered Quebec places, Sainte-Émélie-de-l'Énergie ranks 452 by population.

Products compared here

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

• Instalment loans: A fixed number of fixed payments, sized larger and longer than a payday advance.
• Secured loans: Borrowing against an asset, which lowers the price but puts the asset at risk if you default.

Where a figure for Sainte-Émélie-de-l'Énergie could not be verified, the page names the publisher instead of printing a number.

The Sainte-Émélie-de-l'Énergie page follows the same structure as every other place page, with population, land area, density and rank.

Sainte-Émélie-de-l'Énergie sits at rank 452 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

At 1,741 residents in the 2021 Census, Sainte-Émélie-de-l'Énergie is listed alongside the other covered places in Quebec.

Sainte-Émélie-de-l'Énergie ranks 452 by 2021 Census population among the covered places in Quebec.

Nothing on the Sainte-Émélie-de-l'Énergie page is estimated; the population and land area come from Statistics Canada's 2021 Census of Population.

The density figure for Sainte-Émélie-de-l'Énergie, 11.6 people per square kilometre, is calculated from the population and land area above.

Sainte-Émélie-de-l'Énergie appears in the census record with 1,741 residents, and the density of 11.6 people per square kilometre follows from it.

The land area recorded for Sainte-Émélie-de-l'Énergie is 150.1 square kilometres, and the population is 1,741 residents in the 2021 Census.

Readers comparing Sainte-Émélie-de-l'Énergie with another community can use the same four census fields.

Sainte-Émélie-de-l'Énergie is one of 1150 covered Quebec places, counted at 1,741 residents with a land area of 150.1 square kilometres.

For Sainte-Émélie-de-l'Énergie, the two census fields above are the only local statistics used anywhere on the page.

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).

Nothing here is an offer, and no page on this site can tell anyone what a lender will decide.