Borrowing in Mulgrave-et-Derry, Quebec

With 461 residents counted in the 2021 Census, Mulgrave-et-Derry sits inside Quebec's provincial lending framework.

How borrowing works locally

A revolving product charges interest on the outstanding balance, while an instalment product charges a fixed schedule of payments.

A lender's assessment looks at income, existing obligations, the credit file, and the asset pledged where there is one. A longer amortisation lowers each payment and raises the total interest paid over the life of the loan.

Products compared here

Two of the 20 covered products appear below, each with the purpose the product is designed for.

• Instalment loans: A fixed number of fixed payments, sized larger and longer than a payday advance.
• Secured loans: Borrowing against an asset, which lowers the price but puts the asset at risk if you default.

The census figures for Mulgrave-et-Derry

461 people were counted in Mulgrave-et-Derry in the 2021 Census. 289.5 square kilometres of land are attributed to Mulgrave-et-Derry.

The calculated density is 1.6 people per square kilometre.

Among covered Quebec places, Mulgrave-et-Derry sits at rank 947 by population.

Compared with the other 1150 covered Quebec places, Mulgrave-et-Derry ranks 947 by population.

The Quebec rules that apply

The regulator for consumer credit in Quebec is the body listed by the federal Payday Lending Regulations (SOR/2024-114) provincial and territorial regulators.

Quebec is the province that does not license payday lending, so the federal cap that applies in licensed provinces has no provincial regime to sit inside.

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

Mulgrave-et-Derry appears in the census record with 461 residents, and the density of 1.6 people per square kilometre follows from it.

Where a figure for Mulgrave-et-Derry could not be verified, the page names the publisher instead of printing a number.

Mulgrave-et-Derry is one of 1150 covered Quebec places, counted at 461 residents with a land area of 289.5 square kilometres.

Mulgrave-et-Derry sits at rank 947 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

The land area recorded for Mulgrave-et-Derry is 289.5 square kilometres, and the population is 461 residents in the 2021 Census.

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

Mulgrave-et-Derry ranks 947 by 2021 Census population among the covered places in Quebec.

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

Readers comparing Mulgrave-et-Derry with another community can use the same four census fields.

At 461 residents in the 2021 Census, Mulgrave-et-Derry is listed alongside the other covered places in Quebec.

The density figure for Mulgrave-et-Derry, 1.6 people per square kilometre, is calculated from the population and land area above.

For Mulgrave-et-Derry, the two census fields above are the only local statistics used anywhere on the page.

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).

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