Borrowing in Saint-Valérien, Quebec

With 906 residents counted in the 2021 Census, Saint-Valérien 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.

How borrowing works locally

A consumer proposal or a bankruptcy is administered by a licensed insolvency trustee rather than by a lender.

Provincial licensing decides who may lend, and federal rules add a ceiling where a licensed payday regime exists. A secured product gives the lender a claim on a named asset, which is why its price is usually lower than an unsecured equivalent.

The census figures for Saint-Valérien

906 people were counted in Saint-Valérien in the 2021 Census. The community covers 145.0 square kilometres of land.

Population divided by land area produces a density of 6.2 people per square kilometre.

Saint-Valérien ranks 704 by population among the Quebec places on this site.

Within Quebec, Saint-Valérien is place number 704 by population in this census set, at 906 residents.

Products compared here

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

• Mortgage loans: Borrowing against residential property, including how a federally regulated lender tests the file.
• Debt relief programs: The formal and informal routes out of unmanageable debt in Canada, and who is licensed to run them.

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

The land area recorded for Saint-Valérien is 145.0 square kilometres, and the population is 906 residents in the 2021 Census.

The density figure for Saint-Valérien, 6.2 people per square kilometre, is calculated from the population and land area above.

Saint-Valérien is one of 1150 covered Quebec places, counted at 906 residents with a land area of 145.0 square kilometres.

At 906 residents in the 2021 Census, Saint-Valérien is listed alongside the other covered places in Quebec.

Saint-Valérien ranks 704 by 2021 Census population among the covered places in Quebec.

Saint-Valérien appears in the census record with 906 residents, and the density of 6.2 people per square kilometre follows from it.

Saint-Valérien sits at rank 704 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

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

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

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

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

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.

Compare the disclosure on any agreement against the provincial ceiling, and treat the census figures as the only local statistics on the page.