Borrowing in Saint-Cléophas, Quebec

Saint-Cléophas, Quebec, recorded a population of 321 in the 2021 Census; the rules that govern a loan signed there are provincial.

The census figures for Saint-Cléophas

Saint-Cléophas recorded a population of 321 in Statistics Canada's 2021 Census of Population. The census records a land area of 97.2 square kilometres for Saint-Cléophas.

Population divided by land area produces a density of 3.3 people per square kilometre.

Its provincial population rank is 1045 within this data set.

Within Quebec, Saint-Cléophas is place number 1045 by population in this census set, at 321 residents.

Products compared here

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

• Bad credit loans: Borrowing when the credit file is damaged, and what changes about price and security as a result.
• Home equity loans: Converting property equity into credit, and the difference between a lump sum and a revolving limit.

The Quebec rules that apply

Licensing for consumer credit in Quebec sits with the province or territory, and the Financial Consumer Agency of Canada maintains the public 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.

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

How borrowing works locally

A lender may ask for proof of address, and a permanent address is a standard requirement for consumer credit.

A longer amortisation lowers each payment and raises the total interest paid over the life of the loan. Variable-rate products move with a reference rate, while fixed-rate products set the price for a defined term.

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

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

Saint-Cléophas sits at rank 1045 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

The density figure for Saint-Cléophas, 3.3 people per square kilometre, is calculated from the population and land area above.

Saint-Cléophas ranks 1045 by 2021 Census population among the covered places in Quebec.

The land area recorded for Saint-Cléophas is 97.2 square kilometres, and the population is 321 residents in the 2021 Census.

Saint-Cléophas appears in the census record with 321 residents, and the density of 3.3 people per square kilometre follows from it.

At 321 residents in the 2021 Census, Saint-Cléophas is listed alongside the other covered places in Quebec.

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

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

Saint-Cléophas is one of 1150 covered Quebec places, counted at 321 residents with a land area of 97.2 square kilometres.

The Saint-Cléophas 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.

Population and land area figures come from Statistics Canada's 2021 Census of Population; regulatory statements are attributed to 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.