Borrowing in Ham-Sud, Quebec

Ham-Sud is one of the Quebec places covered here, with 214 residents recorded in the 2021 Census and the same provincial rulebook as the rest of the province.

The census figures for Ham-Sud

In the 2021 Census, Ham-Sud had 214 residents. The community covers 151.2 square kilometres of land.

Dividing population by land area gives 1.4 residents per square kilometre, rounded to one decimal place.

Among covered Quebec places, Ham-Sud sits at rank 1111 by population.

Ham-Sud therefore appears at rank 1111 of 1150 covered Quebec places, with a density of 1.4 people per square kilometre.

Products compared here

Each product below has its own page, and the Quebec position applies to all of them.

• 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.

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

How borrowing works locally

A secured product gives the lender a claim on a named asset, which is why its price is usually lower than an unsecured equivalent.

A revolving product charges interest on the outstanding balance, while an instalment product charges a fixed schedule of payments. Provincial licensing decides who may lend, and federal rules add a ceiling where a licensed payday regime exists.

At 214 residents in the 2021 Census, Ham-Sud is listed alongside the other covered places in Quebec.

Ham-Sud is one of 1150 covered Quebec places, counted at 214 residents with a land area of 151.2 square kilometres.

Readers comparing Ham-Sud with another community can use the same four census fields.

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

Ham-Sud sits at rank 1111 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

Ham-Sud appears in the census record with 214 residents, and the density of 1.4 people per square kilometre follows from it.

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

Ham-Sud ranks 1111 by 2021 Census population among the covered places in Quebec.

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

The density figure for Ham-Sud, 1.4 people per square kilometre, is calculated from the population and land area above.

The land area recorded for Ham-Sud is 151.2 square kilometres, and the population is 214 residents in the 2021 Census.

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.