Borrowing in Saint-Raymond, Quebec

Saint-Raymond is one of the Quebec places covered here, with 11,108 residents recorded in the 2021 Census and the same provincial rulebook as the rest of the province.

The Quebec rules that apply

Provincial or territorial law decides who may lend in Quebec, and the Financial Consumer Agency of Canada publishes the list that names the regulator responsible.

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.

This community sits in the lower-middle population band, which changes the census figures rather than the rules.

How borrowing works locally

A secured product gives the lender a claim on a named asset, which is why its price is usually lower than an unsecured equivalent.

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.

The census figures for Saint-Raymond

In the 2021 Census, Saint-Raymond had 11,108 residents. The community covers 666.2 square kilometres of land.

The calculated density is 16.7 people per square kilometre.

The community is the 103rd largest place in the province within this census set.

Saint-Raymond is one of 1150 places listed for Quebec, ranked 103 by population and measured at 666.2 square kilometres.

Products compared here

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

• No credit check loans: What lenders who advertise without a credit check actually look at instead, and where the cost goes.
• Mortgage refinancing: Replacing an existing mortgage to change the rate, the term or the amount borrowed, and what it costs.

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

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

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

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

The land area recorded for Saint-Raymond is 666.2 square kilometres, and the population is 11,108 residents in the 2021 Census.

At 11,108 residents in the 2021 Census, Saint-Raymond is listed alongside the other covered places in Quebec.

The density figure for Saint-Raymond, 16.7 people per square kilometre, is calculated from the population and land area above.

Saint-Raymond is one of 1150 covered Quebec places, counted at 11,108 residents with a land area of 666.2 square kilometres.

Saint-Raymond sits at rank 103 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

Saint-Raymond ranks 103 by 2021 Census population among the covered places in Quebec.

Saint-Raymond appears in the census record with 11,108 residents, and the density of 16.7 people per square kilometre follows from it.

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

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

The 2021 Census of Population published by Statistics Canada is the source for population and land area; the federal Payday Lending Regulations (SOR/2024-114) are the source for payday rules.

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.