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Borrowing in Saint-Bernard-de-Lacolle, Quebec

Saint-Bernard-de-Lacolle, Quebec: 1,542 residents in the 2021 Census, 113.4 square kilometres of land, and the provincial lending rules that apply across Quebec.

Province Quebec (QC)
Population, 2021 Census 1,542
Land area 113.4 km²
Provincial regulator See the FCAC list

Saint-Bernard-de-Lacolle, Quebec, recorded a population of 1,542 in the 2021 Census; the rules that govern a loan signed there are provincial.

Products compared here

The product pages behind this city cover the following borrowing categories, among the 20 products compared nationally.

  • Car loans: Financing a vehicle, including the effect of trade-in equity, negative equity and dealer-arranged credit.
  • Debt consolidation loans: Replacing several expensive debts with one payment, and the arithmetic that decides whether it helps.

How borrowing works locally

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

Debt management plans are administered by accredited credit counsellors, and they are not loans. A payday advance is repaid on a pay date, while an instalment loan is repaid over a set number of payments.

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.

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.

At the small end of the census range, the community still borrows inside the province's licensing system.

The census figures for Saint-Bernard-de-Lacolle

The 2021 Census counted 1,542 residents in Saint-Bernard-de-Lacolle. 113.4 square kilometres of land are attributed to Saint-Bernard-de-Lacolle.

That gives a density of 13.6 people per square kilometre, rounded to one decimal place.

Saint-Bernard-de-Lacolle ranks 498 by population among the Quebec places on this site.

The place record for Saint-Bernard-de-Lacolle covers 113.4 square kilometres and 1,542 residents, a density of 13.6 people per square kilometre.

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

Saint-Bernard-de-Lacolle sits at rank 498 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

Saint-Bernard-de-Lacolle is one of 1150 covered Quebec places, counted at 1,542 residents with a land area of 113.4 square kilometres.

Saint-Bernard-de-Lacolle ranks 498 by 2021 Census population among the covered places in Quebec.

The land area recorded for Saint-Bernard-de-Lacolle is 113.4 square kilometres, and the population is 1,542 residents in the 2021 Census.

Saint-Bernard-de-Lacolle appears in the census record with 1,542 residents, and the density of 13.6 people per square kilometre follows from it.

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

The density figure for Saint-Bernard-de-Lacolle, 13.6 people per square kilometre, is calculated from the population and land area above.

Readers comparing Saint-Bernard-de-Lacolle with another community can use the same four census fields.

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

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

At 1,542 residents in the 2021 Census, Saint-Bernard-de-Lacolle 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.

The 2021 Census of Population published by Statistics Canada is the source for population and land area; the federal Payday Lending Regulations (SOR/2024-114) are the source for payday rules.

Nothing here is an offer, and no page on this site can tell anyone what a lender will decide.

Population and land area: Statistics Canada, Census of Population 2021, table 98-10-0002.

Borrowing in Saint-Bernard-de-Lacolle

Personal loans A fixed sum repaid on a schedule, usually unsecured, for almost any purpose a lender will accept. Bad credit loans Borrowing when the credit file is damaged, and what changes about price and security as a result. No credit check loans What lenders who advertise without a credit check actually look at instead, and where the cost goes. Lines of credit A revolving limit you draw on and repay, usually paying interest only on what is outstanding. Unsecured loans Borrowing with no asset pledged, priced for the risk the lender is taking on your file alone. Secured loans Borrowing against an asset, which lowers the price but puts the asset at risk if you default. Car loans Financing a vehicle, including the effect of trade-in equity, negative equity and dealer-arranged credit. Mortgage loans Borrowing against residential property, including how a federally regulated lender tests the file. Home equity loans Converting property equity into credit, and the difference between a lump sum and a revolving limit. Mortgage refinancing Replacing an existing mortgage to change the rate, the term or the amount borrowed, and what it costs. Home renovation loans Paying for work on a property, from a small unsecured instalment loan to a secured renovation product. Business loans Commercial borrowing, what lenders read in a business file, and how the assessment differs from personal credit. Business lines of credit A revolving operating limit for a business, and why it behaves differently from a term loan. Debt consolidation loans Replacing several expensive debts with one payment, and the arithmetic that decides whether it helps. Debt relief programs The formal and informal routes out of unmanageable debt in Canada, and who is licensed to run them. Payday loans Small, short-term advances against a pay date, the most tightly regulated product in Canadian consumer credit. Cash advance loans Immediate short-term cash, including the difference between a cash advance on credit and a payday-style advance. Emergency loans Money for an urgent expense, and the order in which a sensible borrower works through the options. Instalment loans A fixed number of fixed payments, sized larger and longer than a payday advance. Collateral loans Borrowing against an asset a lender will hold, from vehicles to savings, and what happens on default.

Nearby places

Montréal 1,762,949 Québec 549,459 Laval 438,366 Gatineau 291,041 Longueuil 254,483 Sherbrooke 172,950

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