Borrowing in Sainte-Marcelline-de-Kildare, Quebec

Sainte-Marcelline-de-Kildare is one of the Quebec places covered here, with 1,795 residents recorded in the 2021 Census and the same provincial rulebook as the rest of the province.

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.

For Quebec, the federal Payday Lending Regulations (SOR/2024-114) record that payday lending is not licensed, so the cost limit should be confirmed with the provincial regulator.

This is a small community by population, inside the lowest band used on this site, and the provincial framework applies without variation.

How borrowing works locally

A lender may ask for proof of address, and a permanent address is a standard requirement for consumer credit.

A longer amortisation lowers each payment and raises the total interest paid over the life of the loan. A shorter term raises each payment and lowers the total interest, which is the trade every schedule makes.

The census figures for Sainte-Marcelline-de-Kildare

The 2021 Census counted 1,795 residents in Sainte-Marcelline-de-Kildare. Its land area is 34.5 square kilometres.

On those two figures, density is 52.0 residents per square kilometre when rounded to one decimal place.

The community is the 440th largest place in the province within this census set.

Sainte-Marcelline-de-Kildare therefore appears at rank 440 of 1150 covered Quebec places, with a density of 52.0 people per square kilometre.

Products compared here

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

• Home equity loans: Converting property equity into credit, and the difference between a lump sum and a revolving limit.
• Payday loans: Small, short-term advances against a pay date, the most tightly regulated product in Canadian consumer credit.

The Sainte-Marcelline-de-Kildare page follows the same structure as every other place page, with population, land area, density and rank.

The density figure for Sainte-Marcelline-de-Kildare, 52.0 people per square kilometre, is calculated from the population and land area above.

The land area recorded for Sainte-Marcelline-de-Kildare is 34.5 square kilometres, and the population is 1,795 residents in the 2021 Census.

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

Sainte-Marcelline-de-Kildare ranks 440 by 2021 Census population among the covered places in Quebec.

At 1,795 residents in the 2021 Census, Sainte-Marcelline-de-Kildare is listed alongside the other covered places in Quebec.

Sainte-Marcelline-de-Kildare sits at rank 440 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

Sainte-Marcelline-de-Kildare is one of 1150 covered Quebec places, counted at 1,795 residents with a land area of 34.5 square kilometres.

Sainte-Marcelline-de-Kildare appears in the census record with 1,795 residents, and the density of 52.0 people per square kilometre follows from it.

Readers comparing Sainte-Marcelline-de-Kildare with another community can use the same four census fields.

For Sainte-Marcelline-de-Kildare, the two census fields above are the only local statistics used anywhere on the page.

Where a figure for Sainte-Marcelline-de-Kildare could not be verified, the page names the publisher instead of printing a number.

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).

Compare the disclosure on any agreement against the provincial ceiling, and treat the census figures as the only local statistics on the page.