Borrowing in Saint-Lucien, Quebec

Saint-Lucien, Quebec, recorded a population of 1,801 in the 2021 Census; the rules that govern a loan signed there are provincial.

Products compared here

These are two of the 20 products described on the site, and each has a national page as well as the provincial rules.

• 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.

How borrowing works locally

A provincial regulator publishes licensing requirements, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators.

Disclosure requirements mean the cost of borrowing must be stated before an agreement is signed. A credit file is compiled by private agencies from information lenders and other creditors report.

The Quebec rules that apply

Consumer lending in Quebec is licensed provincially or territorially, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators where the current position appears.

Because Quebec does not license payday lending, no provincial payday cap applies there, and the federal Payday Lending Regulations (SOR/2024-114) note the distinction.

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

The census figures for Saint-Lucien

Statistics Canada's 2021 Census gives Saint-Lucien a population of 1,801. The community covers 111.0 square kilometres of land.

Population divided by land area produces a density of 16.2 people per square kilometre.

The 2021 Census population places it at rank 438 in the province.

Saint-Lucien therefore appears at rank 438 of 1150 covered Quebec places, with a density of 16.2 people per square kilometre.

At 1,801 residents in the 2021 Census, Saint-Lucien is listed alongside the other covered places in Quebec.

Saint-Lucien ranks 438 by 2021 Census population among the covered places in Quebec.

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

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

The density figure for Saint-Lucien, 16.2 people per square kilometre, is calculated from the population and land area above.

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

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

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

The land area recorded for Saint-Lucien is 111.0 square kilometres, and the population is 1,801 residents in the 2021 Census.

Saint-Lucien sits at rank 438 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

Saint-Lucien appears in the census record with 1,801 residents, and the density of 16.2 people per square kilometre follows from it.

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.

The provincial rules apply wherever a borrower is in Quebec; a municipal boundary does not change them.