Borrowing in Saint-Joseph-de-Lepage, Quebec

Saint-Joseph-de-Lepage is one of the Quebec places covered here, with 590 residents recorded in the 2021 Census and the same provincial rulebook as the rest of the province.

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.

For Quebec, the federal Payday Lending Regulations (SOR/2024-114) record that payday lending is not licensed, so the cost limit should be confirmed with the provincial regulator.

Small places are covered the same way as large ones: census figures for the place, and the provincial position on lending.

How borrowing works locally

Interest on a line of credit accrues only on the drawn portion, not on the unused limit.

A prepayment privilege allows a borrower to pay more than the scheduled amount, sometimes with a charge attached. A lender is free to set its own price below the legal ceiling, and it does so according to the risk it reads in the file.

The census figures for Saint-Joseph-de-Lepage

The 2021 Census counted 590 residents in Saint-Joseph-de-Lepage. Statistics Canada lists 31.0 square kilometres of land for the community.

Population divided by land area produces a density of 19.0 people per square kilometre.

Saint-Joseph-de-Lepage ranks 866 by population among the Quebec places on this site.

The place record for Saint-Joseph-de-Lepage covers 31.0 square kilometres and 590 residents, a density of 19.0 people per square kilometre.

Products compared here

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

• Lines of credit: A revolving limit you draw on and repay, usually paying interest only on what is outstanding.
• Home renovation loans: Paying for work on a property, from a small unsecured instalment loan to a secured renovation product.

Saint-Joseph-de-Lepage sits at rank 866 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

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

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

Saint-Joseph-de-Lepage is one of 1150 covered Quebec places, counted at 590 residents with a land area of 31.0 square kilometres.

The density figure for Saint-Joseph-de-Lepage, 19.0 people per square kilometre, is calculated from the population and land area above.

At 590 residents in the 2021 Census, Saint-Joseph-de-Lepage is listed alongside the other covered places in Quebec.

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

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

Saint-Joseph-de-Lepage appears in the census record with 590 residents, and the density of 19.0 people per square kilometre follows from it.

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

Saint-Joseph-de-Lepage ranks 866 by 2021 Census population among the covered places in Quebec.

The land area recorded for Saint-Joseph-de-Lepage is 31.0 square kilometres, and the population is 590 residents in the 2021 Census.

loanmoose.ca is not a lender and does not make credit decisions. The lowest rates are only available to the most qualified applicants.

Census figures are from Statistics Canada's 2021 Census of Population, and the payday position is taken from the federal Payday Lending Regulations (SOR/2024-114).

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.