Borrowing in Saint-Noël, Quebec

Saint-Noël is one of the Quebec communities covered here, with a 2021 Census population of 392, and borrowing there is licensed under Quebec's consumer credit rules.

The census figures for Saint-Noël

Statistics Canada's 2021 Census gives Saint-Noël a population of 392. The community covers 45.8 square kilometres of land.

Dividing population by land area gives 8.6 residents per square kilometre, rounded to one decimal place.

Its provincial population rank is 997 within this data set.

Compared with the other 1150 covered Quebec places, Saint-Noël ranks 997 by population.

Products compared here

The product pages behind this city cover the following borrowing categories, among the 20 products compared nationally.

• Home equity loans: Converting property equity into credit, and the difference between a lump sum and a revolving limit.
• Payday loans: Small, short-term advances against a pay date, the most tightly regulated product in Canadian consumer credit.

The Quebec rules that apply

The regulator for consumer credit in Quebec is the body listed by the federal Payday Lending Regulations (SOR/2024-114) 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.

At the small end of the census range, the community still borrows inside the province's licensing system.

How borrowing works locally

A revolving product charges interest on the outstanding balance, while an instalment product charges a fixed schedule of payments.

A payday advance is repaid on a pay date, while an instalment loan is repaid over a set number of payments. A longer amortisation lowers each payment and raises the total interest paid over the life of the loan.

Saint-Noël sits at rank 997 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

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

Saint-Noël is one of 1150 covered Quebec places, counted at 392 residents with a land area of 45.8 square kilometres.

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

The land area recorded for Saint-Noël is 45.8 square kilometres, and the population is 392 residents in the 2021 Census.

Saint-Noël ranks 997 by 2021 Census population among the covered places in Quebec.

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

At 392 residents in the 2021 Census, Saint-Noël is listed alongside the other covered places in Quebec.

The density figure for Saint-Noël, 8.6 people per square kilometre, is calculated from the population and land area above.

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

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

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

Population and land area figures come from Statistics Canada's 2021 Census of Population; regulatory statements are attributed to 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.