Borrowing in Sainte-Thérèse, Quebec

Sainte-Thérèse is one of the Quebec communities covered here, with a 2021 Census population of 26,533, and borrowing there is licensed under Quebec's consumer credit rules.

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.

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 community falls in the middle band, where the census fields and the provincial rules are the same as everywhere else in the province.

How borrowing works locally

Disclosure requirements mean the cost of borrowing must be stated before an agreement is signed.

Variable-rate products move with a reference rate, while fixed-rate products set the price for a defined term. A longer amortisation lowers each payment and raises the total interest paid over the life of the loan.

The census figures for Sainte-Thérèse

In the 2021 Census, Sainte-Thérèse had 26,533 residents. Land area for Sainte-Thérèse is 9.5 square kilometres in the same census.

That gives a density of 2798.8 people per square kilometre, rounded to one decimal place.

Among covered Quebec places, Sainte-Thérèse sits at rank 42 by population.

Compared with the other 1150 covered Quebec places, Sainte-Thérèse ranks 42 by population.

Products compared here

Two of the 20 covered products appear below, each with the purpose the product is designed for.

• Secured loans: Borrowing against an asset, which lowers the price but puts the asset at risk if you default.
• Business lines of credit: A revolving operating limit for a business, and why it behaves differently from a term loan.

The density figure for Sainte-Thérèse, 2798.8 people per square kilometre, is calculated from the population and land area above.

Sainte-Thérèse appears in the census record with 26,533 residents, and the density of 2798.8 people per square kilometre follows from it.

Sainte-Thérèse is one of 1150 covered Quebec places, counted at 26,533 residents with a land area of 9.5 square kilometres.

At 26,533 residents in the 2021 Census, Sainte-Thérèse is listed alongside the other covered places in Quebec.

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

Sainte-Thérèse ranks 42 by 2021 Census population among the covered places in Quebec.

The land area recorded for Sainte-Thérèse is 9.5 square kilometres, and the population is 26,533 residents in the 2021 Census.

Sainte-Thérèse sits at rank 42 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

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

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

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

Where a figure for Sainte-Thérèse 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.

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.

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.