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Borrowing in Saint-Joseph-des-Érables, Quebec

A guide to borrowing in Saint-Joseph-des-Érables, Quebec, with the 2021 Census population of 377 and the provincial rules that apply locally.

Province Quebec (QC)
Population, 2021 Census 377
Land area 51.4 km²
Provincial regulator See the FCAC list

Saint-Joseph-des-Érables, Quebec, recorded a population of 377 in the 2021 Census; the rules that govern a loan signed there are provincial.

The census figures for Saint-Joseph-des-Érables

Saint-Joseph-des-Érables recorded a population of 377 in Statistics Canada's 2021 Census of Population. Statistics Canada lists 51.4 square kilometres of land for the community.

The arithmetic gives 7.3 people per square kilometre.

The community is the 1011th largest place in the province within this census set.

Within Quebec, Saint-Joseph-des-Érables is place number 1011 by population in this census set, at 377 residents.

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.

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

How borrowing works locally

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

A broker arranges credit but does not lend, and the lender remains the party that makes the decision. A secured product gives the lender a claim on a named asset, which is why its price is usually lower than an unsecured equivalent.

Products compared here

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

  • Business lines of credit: A revolving operating limit for a business, and why it behaves differently from a term loan.
  • Collateral loans: Borrowing against an asset a lender will hold, from vehicles to savings, and what happens on default.

At 377 residents in the 2021 Census, Saint-Joseph-des-Érables is listed alongside the other covered places in Quebec.

Saint-Joseph-des-Érables ranks 1011 by 2021 Census population among the covered places in Quebec.

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

The density figure for Saint-Joseph-des-Érables, 7.3 people per square kilometre, is calculated from the population and land area above.

Saint-Joseph-des-Érables appears in the census record with 377 residents, and the density of 7.3 people per square kilometre follows from it.

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

Saint-Joseph-des-Érables sits at rank 1011 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

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

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

The land area recorded for Saint-Joseph-des-Érables is 51.4 square kilometres, and the population is 377 residents in the 2021 Census.

Saint-Joseph-des-Érables is one of 1150 covered Quebec places, counted at 377 residents with a land area of 51.4 square kilometres.

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

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.

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

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

Borrowing in Saint-Joseph-des-Érables

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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