Borrowing in Sainte-Séraphine, Quebec

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

The census figures for Sainte-Séraphine

In the 2021 Census, Sainte-Séraphine had 441 residents. Statistics Canada lists 75.9 square kilometres of land for the community.

Population divided by land area produces a density of 5.8 people per square kilometre.

Sainte-Séraphine ranks 967 by population among the Quebec places on this site.

Within Quebec, Sainte-Séraphine is place number 967 by population in this census set, at 441 residents.

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.

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

How borrowing works locally

A mortgage is registered against the property, which is what gives the lender its claim.

A broker arranges credit but does not lend, and the lender remains the party that makes the decision. A prepayment privilege allows a borrower to pay more than the scheduled amount, sometimes with a charge attached.

Products compared here

Each product below has its own page, and the Quebec position applies to all of them.

• 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.

Sainte-Séraphine appears in the census record with 441 residents, and the density of 5.8 people per square kilometre follows from it.

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

Readers comparing Sainte-Séraphine with another community can use the same four census fields.

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

Sainte-Séraphine sits at rank 967 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

At 441 residents in the 2021 Census, Sainte-Séraphine is listed alongside the other covered places in Quebec.

Sainte-Séraphine is one of 1150 covered Quebec places, counted at 441 residents with a land area of 75.9 square kilometres.

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

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

The density figure for Sainte-Séraphine, 5.8 people per square kilometre, is calculated from the population and land area above.

loanmoose.ca is not a lender and does not make credit decisions. The lowest rates are only available to the most qualified applicants.

Statistics Canada's 2021 Census of Population supplies the population and land-area figures, and the federal Payday Lending Regulations (SOR/2024-114) supply the payday position.

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