Borrowing in Lawrenceville, Quebec

Lawrenceville, Quebec, recorded a population of 618 in the 2021 Census; the rules that govern a loan signed there are provincial.

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.

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

How borrowing works locally

An application usually asks for identification, income evidence, banking details and a statement of obligations.

A broker arranges credit but does not lend, and the lender remains the party that makes the decision. Disclosure requirements mean the cost of borrowing must be stated before an agreement is signed.

The census figures for Lawrenceville

In the 2021 Census, Lawrenceville had 618 residents. Statistics Canada lists 16.7 square kilometres of land for the community.

On those two figures, density is 36.9 residents per square kilometre when rounded to one decimal place.

By population it ranks 854 among the Quebec places covered here.

Within Quebec, Lawrenceville is place number 854 by population in this census set, at 618 residents.

Products compared here

Among the 20 products compared here, these two are commonly used for the purposes described.

• Home equity loans: Converting property equity into credit, and the difference between a lump sum and a revolving limit.
• Payday loans: Small, short-term advances against a pay date, the most tightly regulated product in Canadian consumer credit.

The land area recorded for Lawrenceville is 16.7 square kilometres, and the population is 618 residents in the 2021 Census.

The density figure for Lawrenceville, 36.9 people per square kilometre, is calculated from the population and land area above.

Lawrenceville appears in the census record with 618 residents, and the density of 36.9 people per square kilometre follows from it.

At 618 residents in the 2021 Census, Lawrenceville is listed alongside the other covered places in Quebec.

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

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

Lawrenceville ranks 854 by 2021 Census population among the covered places in Quebec.

Lawrenceville sits at rank 854 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

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

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

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.