Compare loans

Borrowing in Lac-des-Plages, Quebec

Lac-des-Plages, Quebec: 548 residents in the 2021 Census, 150.9 square kilometres of land, and the provincial lending rules that apply across Quebec.

Province Quebec (QC)
Population, 2021 Census 548
Land area 150.9 km²
Provincial regulator See the FCAC list

Lac-des-Plages, Quebec, recorded a population of 548 in the 2021 Census; the rules that govern a loan signed there are provincial.

How borrowing works locally

Interest on a line of credit accrues only on the drawn portion, not on the unused limit.

A lender's assessment looks at income, existing obligations, the credit file, and the asset pledged where there is one. A mortgage is registered against the property, which is what gives the lender its claim.

Products compared here

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

  • Bad credit loans: Borrowing when the credit file is damaged, and what changes about price and security as a result.
  • Home equity loans: Converting property equity into credit, and the difference between a lump sum and a revolving limit.

The census figures for Lac-des-Plages

In the 2021 Census, Lac-des-Plages had 548 residents. The census records a land area of 150.9 square kilometres for Lac-des-Plages.

Population divided by land area produces a density of 3.6 people per square kilometre.

Among covered Quebec places, Lac-des-Plages sits at rank 887 by population.

Compared with the other 1150 covered Quebec places, Lac-des-Plages ranks 887 by population.

The Quebec rules that apply

Provincial or territorial law decides who may lend in Quebec, and the Financial Consumer Agency of Canada publishes the list that names the regulator responsible.

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.

Small places are covered the same way as large ones: census figures for the place, and the provincial position on lending.

At 548 residents in the 2021 Census, Lac-des-Plages is listed alongside the other covered places in Quebec.

Lac-des-Plages ranks 887 by 2021 Census population among the covered places in Quebec.

The density figure for Lac-des-Plages, 3.6 people per square kilometre, is calculated from the population and land area above.

Lac-des-Plages appears in the census record with 548 residents, and the density of 3.6 people per square kilometre follows from it.

Lac-des-Plages is one of 1150 covered Quebec places, counted at 548 residents with a land area of 150.9 square kilometres.

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

Where a figure for Lac-des-Plages could not be verified, the page names the publisher instead of printing a number.

Readers comparing Lac-des-Plages with another community can use the same four census fields.

For Lac-des-Plages, the two census fields above are the only local statistics used anywhere on the page.

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

The land area recorded for Lac-des-Plages is 150.9 square kilometres, and the population is 548 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.

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.

The provincial rules apply wherever a borrower is in Quebec; a municipal boundary does not change them.

Population and land area: Statistics Canada, Census of Population 2021, table 98-10-0002.

Borrowing in Lac-des-Plages

Personal loans A fixed sum repaid on a schedule, usually unsecured, for almost any purpose a lender will accept. Bad credit loans Borrowing when the credit file is damaged, and what changes about price and security as a result. No credit check loans What lenders who advertise without a credit check actually look at instead, and where the cost goes. Lines of credit A revolving limit you draw on and repay, usually paying interest only on what is outstanding. Unsecured loans Borrowing with no asset pledged, priced for the risk the lender is taking on your file alone. Secured loans Borrowing against an asset, which lowers the price but puts the asset at risk if you default. Car loans Financing a vehicle, including the effect of trade-in equity, negative equity and dealer-arranged credit. Mortgage loans Borrowing against residential property, including how a federally regulated lender tests the file. Home equity loans Converting property equity into credit, and the difference between a lump sum and a revolving limit. Mortgage refinancing Replacing an existing mortgage to change the rate, the term or the amount borrowed, and what it costs. Home renovation loans Paying for work on a property, from a small unsecured instalment loan to a secured renovation product. Business loans Commercial borrowing, what lenders read in a business file, and how the assessment differs from personal credit. Business lines of credit A revolving operating limit for a business, and why it behaves differently from a term loan. Debt consolidation loans Replacing several expensive debts with one payment, and the arithmetic that decides whether it helps. Debt relief programs The formal and informal routes out of unmanageable debt in Canada, and who is licensed to run them. Payday loans Small, short-term advances against a pay date, the most tightly regulated product in Canadian consumer credit. Cash advance loans Immediate short-term cash, including the difference between a cash advance on credit and a payday-style advance. Emergency loans Money for an urgent expense, and the order in which a sensible borrower works through the options. Instalment loans A fixed number of fixed payments, sized larger and longer than a payday advance. Collateral loans Borrowing against an asset a lender will hold, from vehicles to savings, and what happens on default.

Nearby places

Montréal 1,762,949 Québec 549,459 Laval 438,366 Gatineau 291,041 Longueuil 254,483 Sherbrooke 172,950

Frequently asked questions

Related

Compare loan offers

Compare options from Canadian lending partners. We are not a lender and we do not make credit decisions.

See partner options

Advertising disclosure: loanmoose.ca may receive a referral fee if you continue through a partner link. That fee does not change the rate you are offered and it does not change what we publish. We are not a lender. Read the full disclosure.