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Borrowing in Saint-Roch-Ouest, Quebec

Saint-Roch-Ouest, Quebec: 262 residents in the 2021 Census, 20.1 square kilometres of land, and the provincial lending rules that apply across Quebec.

Province Quebec (QC)
Population, 2021 Census 262
Land area 20.1 km²
Provincial regulator See the FCAC list

With 262 residents counted in the 2021 Census, Saint-Roch-Ouest sits inside Quebec's provincial lending framework.

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.

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.

Small places are covered the same way as large ones: census figures for the place, and the provincial position on lending.

The census figures for Saint-Roch-Ouest

Statistics Canada's 2021 Census gives Saint-Roch-Ouest a population of 262. Statistics Canada lists 20.1 square kilometres of land for the community.

On those two figures, density is 13.0 residents per square kilometre when rounded to one decimal place.

By population it ranks 1084 among the Quebec places covered here.

Within Quebec, Saint-Roch-Ouest is place number 1084 by population in this census set, at 262 residents.

Products compared here

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

  • 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 lender is free to set its own price below the legal ceiling, and it does so according to the risk it reads in the file.

Debt management plans are administered by accredited credit counsellors, and they are not loans. An application usually asks for identification, income evidence, banking details and a statement of obligations.

The density figure for Saint-Roch-Ouest, 13.0 people per square kilometre, is calculated from the population and land area above.

Saint-Roch-Ouest is one of 1150 covered Quebec places, counted at 262 residents with a land area of 20.1 square kilometres.

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

Saint-Roch-Ouest appears in the census record with 262 residents, and the density of 13.0 people per square kilometre follows from it.

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

Saint-Roch-Ouest ranks 1084 by 2021 Census population among the covered places in Quebec.

At 262 residents in the 2021 Census, Saint-Roch-Ouest is listed alongside the other covered places in Quebec.

Saint-Roch-Ouest sits at rank 1084 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

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

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

The land area recorded for Saint-Roch-Ouest is 20.1 square kilometres, and the population is 262 residents in the 2021 Census.

Readers comparing Saint-Roch-Ouest 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.

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-Roch-Ouest

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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