Borrowing in Gallichan, Quebec

With 488 residents counted in the 2021 Census, Gallichan sits inside Quebec's provincial lending framework.

The census figures for Gallichan

The 2021 Census counted 488 residents in Gallichan. Statistics Canada lists 73.6 square kilometres of land for the community.

The arithmetic gives 6.6 people per square kilometre.

Its provincial population rank is 931 within this data set.

The place record for Gallichan covers 73.6 square kilometres and 488 residents, a density of 6.6 people per square kilometre.

Products compared here

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

• Instalment loans: A fixed number of fixed payments, sized larger and longer than a payday advance.
• Secured loans: Borrowing against an asset, which lowers the price but puts the asset at risk if you default.

The Quebec rules that apply

Licensing for consumer credit in Quebec sits with the province or territory, and the Financial Consumer Agency of Canada maintains the public 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.

The lowest band groups villages, rural municipalities and small towns, all read against the same provincial rulebook.

How borrowing works locally

A shorter term raises each payment and lowers the total interest, which is the trade every schedule makes.

Disclosure requirements mean the cost of borrowing must be stated before an agreement is signed. Payment history is reported to credit agencies, and that record is what builds or damages a credit file over time.

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

Gallichan sits at rank 931 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

Gallichan ranks 931 by 2021 Census population among the covered places in Quebec.

The density figure for Gallichan, 6.6 people per square kilometre, is calculated from the population and land area above.

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

Gallichan appears in the census record with 488 residents, and the density of 6.6 people per square kilometre follows from it.

The land area recorded for Gallichan is 73.6 square kilometres, and the population is 488 residents in the 2021 Census.

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

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

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

At 488 residents in the 2021 Census, Gallichan is listed alongside the other covered places in Quebec.

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

Census figures are from Statistics Canada's 2021 Census of Population, and the payday position is taken from the federal Payday Lending Regulations (SOR/2024-114).

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.