Borrowing in Saint-Thomas, Quebec

A loan taken out in Saint-Thomas is governed by Quebec's licensing rules, and the 2021 Census counted 3,496 people in the community.

The census figures for Saint-Thomas

Population for Saint-Thomas stands at 3,496 in the 2021 Census. 94.6 square kilometres of land are attributed to Saint-Thomas.

The arithmetic gives 37.0 people per square kilometre.

The 2021 Census population places it at rank 241 in the province.

Within Quebec, Saint-Thomas is place number 241 by population in this census set, at 3,496 residents.

Products compared here

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

• 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.

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.

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

How borrowing works locally

A prepayment privilege allows a borrower to pay more than the scheduled amount, sometimes with a charge attached.

A mortgage is registered against the property, which is what gives the lender its claim. Disclosure requirements mean the cost of borrowing must be stated before an agreement is signed.

At 3,496 residents in the 2021 Census, Saint-Thomas is listed alongside the other covered places in Quebec.

The land area recorded for Saint-Thomas is 94.6 square kilometres, and the population is 3,496 residents in the 2021 Census.

The density figure for Saint-Thomas, 37.0 people per square kilometre, is calculated from the population and land area above.

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

Saint-Thomas is one of 1150 covered Quebec places, counted at 3,496 residents with a land area of 94.6 square kilometres.

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

Saint-Thomas ranks 241 by 2021 Census population among the covered places in Quebec.

Saint-Thomas sits at rank 241 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

Saint-Thomas appears in the census record with 3,496 residents, and the density of 37.0 people per square kilometre follows from it.

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

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

For Saint-Thomas, 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.

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.

Lending rules change, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators where the current position is confirmed.