Borrowing in Saint-André-Avellin, Quebec

Saint-André-Avellin is one of the Quebec communities covered here, with a 2021 Census population of 3,562, and borrowing there is licensed under Quebec's consumer credit rules.

The census figures for Saint-André-Avellin

Saint-André-Avellin recorded a population of 3,562 in Statistics Canada's 2021 Census of Population. The community covers 137.3 square kilometres of land.

That gives a density of 25.9 people per square kilometre, rounded to one decimal place.

The 2021 Census population places it at rank 237 in the province.

The place record for Saint-André-Avellin covers 137.3 square kilometres and 3,562 residents, a density of 25.9 people per square kilometre.

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.

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

Provincial licensing decides who may lend, and federal rules add a ceiling where a licensed payday regime exists.

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

• Debt consolidation loans: Replacing several expensive debts with one payment, and the arithmetic that decides whether it helps.
• Personal loans: A fixed sum repaid on a schedule, usually unsecured, for almost any purpose a lender will accept.

The land area recorded for Saint-André-Avellin is 137.3 square kilometres, and the population is 3,562 residents in the 2021 Census.

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

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

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

Saint-André-Avellin ranks 237 by 2021 Census population among the covered places in Quebec.

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

Saint-André-Avellin appears in the census record with 3,562 residents, and the density of 25.9 people per square kilometre follows from it.

Saint-André-Avellin is one of 1150 covered Quebec places, counted at 3,562 residents with a land area of 137.3 square kilometres.

The density figure for Saint-André-Avellin, 25.9 people per square kilometre, is calculated from the population and land area above.

Saint-André-Avellin sits at rank 237 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

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

At 3,562 residents in the 2021 Census, Saint-André-Avellin 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.

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.