Borrowing in Kirkland, Quebec

Kirkland is one of the Quebec communities covered here, with a 2021 Census population of 19,413, and borrowing there is licensed under Quebec's consumer credit rules.

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.

Payday lending is not licensed in Quebec; the federal Payday Lending Regulations (SOR/2024-114) list Quebec separately from the provinces that operate a licensed payday regime.

In the lower-middle band, pages carry the census figures for the place and the same provincial lending position as larger centres.

How borrowing works locally

A payday advance is repaid on a pay date, while an instalment loan is repaid over a set number of payments.

Interest on a line of credit accrues only on the drawn portion, not on the unused limit. A longer amortisation lowers each payment and raises the total interest paid over the life of the loan.

The census figures for Kirkland

Population for Kirkland stands at 19,413 in the 2021 Census. The community covers 9.7 square kilometres of land.

The calculated density is 2011.7 people per square kilometre.

The community is the 61st largest place in the province within this census set.

Kirkland therefore appears at rank 61 of 1150 covered Quebec places, with a density of 2011.7 people per square kilometre.

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 renovation loans: Paying for work on a property, from a small unsecured instalment loan to a secured renovation product.
• Emergency loans: Money for an urgent expense, and the order in which a sensible borrower works through the options.

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

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

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

The land area recorded for Kirkland is 9.7 square kilometres, and the population is 19,413 residents in the 2021 Census.

Kirkland is one of 1150 covered Quebec places, counted at 19,413 residents with a land area of 9.7 square kilometres.

At 19,413 residents in the 2021 Census, Kirkland is listed alongside the other covered places in Quebec.

Kirkland appears in the census record with 19,413 residents, and the density of 2011.7 people per square kilometre follows from it.

Kirkland ranks 61 by 2021 Census population among the covered places in Quebec.

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

The density figure for Kirkland, 2011.7 people per square kilometre, is calculated from the population and land area above.

Where a figure for Kirkland 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.

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.

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