Borrowing in Saint-Éphrem-de-Beauce, Quebec

Saint-Éphrem-de-Beauce is one of the Quebec communities covered here, with a 2021 Census population of 2,323, and borrowing there is licensed under Quebec's consumer credit rules.

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.

Quebec does not license payday lending, a fact the federal Payday Lending Regulations (SOR/2024-114) record when it lists the provinces that regulate the product.

The lowest band groups villages, rural municipalities and small towns, all read against the same provincial rulebook.

The census figures for Saint-Éphrem-de-Beauce

Population for Saint-Éphrem-de-Beauce stands at 2,323 in the 2021 Census. Statistics Canada lists 118.9 square kilometres of land for the community.

Dividing population by land area gives 19.5 residents per square kilometre, rounded to one decimal place.

The 2021 Census population places it at rank 357 in the province.

Saint-Éphrem-de-Beauce is one of 1150 places listed for Quebec, ranked 357 by population and measured at 118.9 square kilometres.

Products compared here

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

• Personal loans: A fixed sum repaid on a schedule, usually unsecured, for almost any purpose a lender will accept.
• Mortgage loans: Borrowing against residential property, including how a federally regulated lender tests the file.

How borrowing works locally

Debt management plans are administered by accredited credit counsellors, and they are not loans.

A mortgage is registered against the property, which is what gives the lender its claim. A provincial regulator publishes licensing requirements, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators.

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

The density figure for Saint-Éphrem-de-Beauce, 19.5 people per square kilometre, is calculated from the population and land area above.

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

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

Saint-Éphrem-de-Beauce is one of 1150 covered Quebec places, counted at 2,323 residents with a land area of 118.9 square kilometres.

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

Saint-Éphrem-de-Beauce appears in the census record with 2,323 residents, and the density of 19.5 people per square kilometre follows from it.

At 2,323 residents in the 2021 Census, Saint-Éphrem-de-Beauce is listed alongside the other covered places in Quebec.

The land area recorded for Saint-Éphrem-de-Beauce is 118.9 square kilometres, and the population is 2,323 residents in the 2021 Census.

Saint-Éphrem-de-Beauce sits at rank 357 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

Saint-Éphrem-de-Beauce ranks 357 by 2021 Census population among the covered places in Quebec.

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

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.