Borrowing in Havre-Saint-Pierre, Quebec

With 3,337 residents counted in the 2021 Census, Havre-Saint-Pierre sits inside Quebec's provincial lending framework.

How borrowing works locally

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

Products compared here

The site describes 20 products in total; the two below are representative of the range.

• Cash advance loans: Immediate short-term cash, including the difference between a cash advance on credit and a payday-style advance.
• Lines of credit: A revolving limit you draw on and repay, usually paying interest only on what is outstanding.

The census figures for Havre-Saint-Pierre

The 2021 Census counted 3,337 residents in Havre-Saint-Pierre. 2570.1 square kilometres of land are attributed to Havre-Saint-Pierre.

That gives a density of 1.3 people per square kilometre, rounded to one decimal place.

Among covered Quebec places, Havre-Saint-Pierre sits at rank 251 by population.

Havre-Saint-Pierre is one of 1150 places listed for Quebec, ranked 251 by population and measured at 2570.1 square kilometres.

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.

This is a small community by population, inside the lowest band used on this site, and the provincial framework applies without variation.

The density figure for Havre-Saint-Pierre, 1.3 people per square kilometre, is calculated from the population and land area above.

Readers comparing Havre-Saint-Pierre with another community can use the same four census fields.

At 3,337 residents in the 2021 Census, Havre-Saint-Pierre is listed alongside the other covered places in Quebec.

For Havre-Saint-Pierre, the two census fields above are the only local statistics used anywhere on the page.

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

The land area recorded for Havre-Saint-Pierre is 2570.1 square kilometres, and the population is 3,337 residents in the 2021 Census.

Where a figure for Havre-Saint-Pierre could not be verified, the page names the publisher instead of printing a number.

Havre-Saint-Pierre sits at rank 251 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

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

Havre-Saint-Pierre ranks 251 by 2021 Census population among the covered places in Quebec.

Havre-Saint-Pierre appears in the census record with 3,337 residents, and the density of 1.3 people per square kilometre follows from it.

Havre-Saint-Pierre is one of 1150 covered Quebec places, counted at 3,337 residents with a land area of 2570.1 square kilometres.

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).

Lending rules change, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators where the current position is confirmed.