Borrowing in Ange-Gardien, Quebec

Ange-Gardien is one of the Quebec communities covered here, with a 2021 Census population of 2,889, and borrowing there is licensed under Quebec's consumer credit rules.

The census figures for Ange-Gardien

In the 2021 Census, Ange-Gardien had 2,889 residents. 90.2 square kilometres of land are attributed to Ange-Gardien.

Dividing population by land area gives 32.0 residents per square kilometre, rounded to one decimal place.

Among covered Quebec places, Ange-Gardien sits at rank 285 by population.

Within Quebec, Ange-Gardien is place number 285 by population in this census set, at 2,889 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.

Because Quebec does not license payday lending, no provincial payday cap applies there, and the federal Payday Lending Regulations (SOR/2024-114) note the distinction.

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

How borrowing works locally

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.

Debt management plans are administered by accredited credit counsellors, and they are not loans. A provincial regulator publishes licensing requirements, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators.

Products compared here

Among the 20 products compared here, these two are commonly used for the purposes described.

• Business lines of credit: A revolving operating limit for a business, and why it behaves differently from a term loan.
• Collateral loans: Borrowing against an asset a lender will hold, from vehicles to savings, and what happens on default.

The land area recorded for Ange-Gardien is 90.2 square kilometres, and the population is 2,889 residents in the 2021 Census.

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

The density figure for Ange-Gardien, 32.0 people per square kilometre, is calculated from the population and land area above.

Readers comparing Ange-Gardien with another community can use the same four census fields.

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

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

Ange-Gardien is one of 1150 covered Quebec places, counted at 2,889 residents with a land area of 90.2 square kilometres.

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

At 2,889 residents in the 2021 Census, Ange-Gardien is listed alongside the other covered places in Quebec.

Ange-Gardien appears in the census record with 2,889 residents, and the density of 32.0 people per square kilometre follows from it.

Ange-Gardien ranks 285 by 2021 Census population among the covered places in Quebec.

Ange-Gardien sits at rank 285 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.

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.

The provincial rules apply wherever a borrower is in Quebec; a municipal boundary does not change them.