Borrowing in Saint-Malo, Quebec

This page covers borrowing in Saint-Malo, Quebec: the census facts, the provincial rules, and the products people compare.

The census figures for Saint-Malo

514 people were counted in Saint-Malo in the 2021 Census. 131.8 square kilometres of land are attributed to Saint-Malo.

Dividing population by land area gives 3.9 residents per square kilometre, rounded to one decimal place.

By population it ranks 915 among the Quebec places covered here.

Within Quebec, Saint-Malo is place number 915 by population in this census set, at 514 residents.

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.

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.

How borrowing works locally

A payday advance is repaid on a pay date, while an instalment loan is repaid over a set number of payments.

A broker arranges credit but does not lend, and the lender remains the party that makes the decision. A shorter term raises each payment and lowers the total interest, which is the trade every schedule makes.

Products compared here

Two of the 20 covered products appear below, each with the purpose the product is designed for.

• Bad credit loans: Borrowing when the credit file is damaged, and what changes about price and security as a result.
• Home equity loans: Converting property equity into credit, and the difference between a lump sum and a revolving limit.

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

Saint-Malo is one of 1150 covered Quebec places, counted at 514 residents with a land area of 131.8 square kilometres.

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

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

The land area recorded for Saint-Malo is 131.8 square kilometres, and the population is 514 residents in the 2021 Census.

Saint-Malo sits at rank 915 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

Saint-Malo ranks 915 by 2021 Census population among the covered places in Quebec.

The density figure for Saint-Malo, 3.9 people per square kilometre, is calculated from the population and land area above.

At 514 residents in the 2021 Census, Saint-Malo is listed alongside the other covered places in Quebec.

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

For Saint-Malo, 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.

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).

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