Borrowing in Austin, Quebec

This page covers borrowing in Austin, 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.

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.

The census figures for Austin

Population for Austin stands at 1,748 in the 2021 Census. Statistics Canada lists 73.6 square kilometres of land for the community.

On those two figures, density is 23.8 residents per square kilometre when rounded to one decimal place.

By population it ranks 449 among the Quebec places covered here.

Compared with the other 1150 covered Quebec places, Austin ranks 449 by population.

Products compared here

These are two of the 20 products described on the site, and each has a national page as well as the provincial rules.

• 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.

How borrowing works locally

A longer amortisation lowers each payment and raises the total interest paid over the life of the loan.

Provincial licensing decides who may lend, and federal rules add a ceiling where a licensed payday regime exists. A consumer proposal or a bankruptcy is administered by a licensed insolvency trustee rather than by a lender.

The density figure for Austin, 23.8 people per square kilometre, is calculated from the population and land area above.

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

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

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

The land area recorded for Austin is 73.6 square kilometres, and the population is 1,748 residents in the 2021 Census.

Austin sits at rank 449 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

Austin appears in the census record with 1,748 residents, and the density of 23.8 people per square kilometre follows from it.

Austin ranks 449 by 2021 Census population among the covered places in Quebec.

Austin is one of 1150 covered Quebec places, counted at 1,748 residents with a land area of 73.6 square kilometres.

At 1,748 residents in the 2021 Census, Austin is listed alongside the other covered places in Quebec.

Where a figure for Austin 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.

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