Borrowing in Saint-Alphonse, Quebec

A loan taken out in Saint-Alphonse is governed by Quebec's licensing rules, and the 2021 Census counted 711 people in the community.

The census figures for Saint-Alphonse

In the 2021 Census, Saint-Alphonse had 711 residents. Statistics Canada lists 112.1 square kilometres of land for the community.

That gives a density of 6.3 people per square kilometre, rounded to one decimal place.

Saint-Alphonse ranks 793 by population among the Quebec places on this site.

Saint-Alphonse is one of 1150 places listed for Quebec, ranked 793 by population and measured at 112.1 square kilometres.

Products compared here

Each product below has its own page, and the Quebec position applies to all of them.

• 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 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.

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.

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

How borrowing works locally

A lender is free to set its own price below the legal ceiling, and it does so according to the risk it reads in the file.

A broker arranges credit but does not lend, and the lender remains the party that makes the decision. A prepayment privilege allows a borrower to pay more than the scheduled amount, sometimes with a charge attached.

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

Saint-Alphonse is one of 1150 covered Quebec places, counted at 711 residents with a land area of 112.1 square kilometres.

Readers comparing Saint-Alphonse with another community can use the same four census fields.

Saint-Alphonse ranks 793 by 2021 Census population among the covered places in Quebec.

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

The land area recorded for Saint-Alphonse is 112.1 square kilometres, and the population is 711 residents in the 2021 Census.

The density figure for Saint-Alphonse, 6.3 people per square kilometre, is calculated from the population and land area above.

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

Saint-Alphonse sits at rank 793 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

Saint-Alphonse appears in the census record with 711 residents, and the density of 6.3 people per square kilometre follows from it.

At 711 residents in the 2021 Census, Saint-Alphonse is listed alongside the other covered places in Quebec.

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.