Borrowing in Témiscaming, Quebec

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

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.

The federal Payday Lending Regulations (SOR/2024-114) are explicit that Quebec does not license payday lending, which changes which rules a short-term advance falls under.

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

How borrowing works locally

Payment history is reported to credit agencies, and that record is what builds or damages a credit file over time.

A deposit or trade-in reduces the amount financed and therefore the interest charged over the term. A lender is free to set its own price below the legal ceiling, and it does so according to the risk it reads in the file.

The census figures for Témiscaming

Témiscaming recorded a population of 2,368 in Statistics Canada's 2021 Census of Population. 710.8 square kilometres of land are attributed to Témiscaming.

The arithmetic gives 3.3 people per square kilometre.

Témiscaming ranks 350 by population among the Quebec places on this site.

Compared with the other 1150 covered Quebec places, Témiscaming ranks 350 by population.

Products compared here

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

• Home renovation loans: Paying for work on a property, from a small unsecured instalment loan to a secured renovation product.
• Emergency loans: Money for an urgent expense, and the order in which a sensible borrower works through the options.

The density figure for Témiscaming, 3.3 people per square kilometre, is calculated from the population and land area above.

The land area recorded for Témiscaming is 710.8 square kilometres, and the population is 2,368 residents in the 2021 Census.

Témiscaming ranks 350 by 2021 Census population among the covered places in Quebec.

Témiscaming is one of 1150 covered Quebec places, counted at 2,368 residents with a land area of 710.8 square kilometres.

Readers comparing Témiscaming with another community can use the same four census fields.

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

At 2,368 residents in the 2021 Census, Témiscaming is listed alongside the other covered places in Quebec.

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

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

Témiscaming appears in the census record with 2,368 residents, and the density of 3.3 people per square kilometre follows from it.

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

Témiscaming sits at rank 350 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

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.

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