Borrowing in Mont-Joli, Quebec

Mont-Joli, Quebec, recorded a population of 6,384 in the 2021 Census; the rules that govern a loan signed there are provincial.

How borrowing works locally

A prepayment privilege allows a borrower to pay more than the scheduled amount, sometimes with a charge attached.

Payment history is reported to credit agencies, and that record is what builds or damages a credit file over time. Debt management plans are administered by accredited credit counsellors, and they are not loans.

Products compared here

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

• Personal loans: A fixed sum repaid on a schedule, usually unsecured, for almost any purpose a lender will accept.
• Mortgage loans: Borrowing against residential property, including how a federally regulated lender tests the file.

The census figures for Mont-Joli

Statistics Canada's 2021 Census gives Mont-Joli a population of 6,384. The census records a land area of 24.2 square kilometres for Mont-Joli.

On those two figures, density is 263.4 residents per square kilometre when rounded to one decimal place.

By population it ranks 154 among the Quebec places covered here.

Mont-Joli therefore appears at rank 154 of 1150 covered Quebec places, with a density of 263.4 people per square kilometre.

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.

Quebec does not license payday lending, a fact the federal Payday Lending Regulations (SOR/2024-114) record when it lists the provinces that regulate the product.

Municipalities of this size are grouped together here, with the province setting the licensing position for all of them.

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

Mont-Joli sits at rank 154 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

Mont-Joli ranks 154 by 2021 Census population among the covered places in Quebec.

The density figure for Mont-Joli, 263.4 people per square kilometre, is calculated from the population and land area above.

At 6,384 residents in the 2021 Census, Mont-Joli is listed alongside the other covered places in Quebec.

Mont-Joli is one of 1150 covered Quebec places, counted at 6,384 residents with a land area of 24.2 square kilometres.

Mont-Joli appears in the census record with 6,384 residents, and the density of 263.4 people per square kilometre follows from it.

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

The land area recorded for Mont-Joli is 24.2 square kilometres, and the population is 6,384 residents in the 2021 Census.

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

Where a figure for Mont-Joli 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.

Population and land area figures come from Statistics Canada's 2021 Census of Population; regulatory statements are attributed to the federal Payday Lending Regulations (SOR/2024-114).

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