Borrowing in Saint-Ferdinand, Quebec

Saint-Ferdinand, Quebec, recorded a population of 2,007 in the 2021 Census; the rules that govern a loan signed there are provincial.

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.

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 deposit or trade-in reduces the amount financed and therefore the interest charged over the term.

Provincial licensing decides who may lend, and federal rules add a ceiling where a licensed payday regime exists. Variable-rate products move with a reference rate, while fixed-rate products set the price for a defined term.

The census figures for Saint-Ferdinand

Statistics Canada's 2021 Census gives Saint-Ferdinand a population of 2,007. 137.2 square kilometres of land are attributed to Saint-Ferdinand.

The calculated density is 14.6 people per square kilometre.

The 2021 Census population places it at rank 404 in the province.

Saint-Ferdinand sits at rank 404 among the 1150 Quebec places here, with 2,007 residents in the 2021 Census.

Products compared here

Among the 20 products compared here, these two are commonly used for the purposes described.

• No credit check loans: What lenders who advertise without a credit check actually look at instead, and where the cost goes.
• Mortgage refinancing: Replacing an existing mortgage to change the rate, the term or the amount borrowed, and what it costs.

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

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

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

Saint-Ferdinand sits at rank 404 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

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

Saint-Ferdinand is one of 1150 covered Quebec places, counted at 2,007 residents with a land area of 137.2 square kilometres.

At 2,007 residents in the 2021 Census, Saint-Ferdinand is listed alongside the other covered places in Quebec.

Saint-Ferdinand appears in the census record with 2,007 residents, and the density of 14.6 people per square kilometre follows from it.

The land area recorded for Saint-Ferdinand is 137.2 square kilometres, and the population is 2,007 residents in the 2021 Census.

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

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.

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.