Borrowing in Saint-Apollinaire, Quebec

With 7,968 residents counted in the 2021 Census, Saint-Apollinaire sits inside Quebec's provincial lending framework.

How borrowing works locally

A provincial regulator publishes licensing requirements, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators.

Payment history is reported to credit agencies, and that record is what builds or damages a credit file over time. Disclosure requirements mean the cost of borrowing must be stated before an agreement is signed.

Products compared here

The site describes 20 products in total; the two below are representative of the range.

• Secured loans: Borrowing against an asset, which lowers the price but puts the asset at risk if you default.
• Business lines of credit: A revolving operating limit for a business, and why it behaves differently from a term loan.

The census figures for Saint-Apollinaire

The 2021 Census counted 7,968 residents in Saint-Apollinaire. 96.8 square kilometres of land are attributed to Saint-Apollinaire.

Dividing population by land area gives 82.3 residents per square kilometre, rounded to one decimal place.

The community is the 130th largest place in the province within this census set.

Compared with the other 1150 covered Quebec places, Saint-Apollinaire ranks 130 by population.

The Quebec rules that apply

Consumer credit in Quebec is licensed by the provincial or territorial regulator, and the Financial Consumer Agency of Canada publishes the list of 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.

Size changes the census figures, not the rules; this community falls in the lower-middle band.

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

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

Saint-Apollinaire is one of 1150 covered Quebec places, counted at 7,968 residents with a land area of 96.8 square kilometres.

Saint-Apollinaire ranks 130 by 2021 Census population among the covered places in Quebec.

The density figure for Saint-Apollinaire, 82.3 people per square kilometre, is calculated from the population and land area above.

The land area recorded for Saint-Apollinaire is 96.8 square kilometres, and the population is 7,968 residents in the 2021 Census.

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

Saint-Apollinaire sits at rank 130 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

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

Saint-Apollinaire appears in the census record with 7,968 residents, and the density of 82.3 people per square kilometre follows from it.

At 7,968 residents in the 2021 Census, Saint-Apollinaire is listed alongside the other covered places in Quebec.

The Saint-Apollinaire 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.

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.

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.