Borrowing in Sainte-Irène, Quebec

A loan taken out in Sainte-Irène is governed by Quebec's licensing rules, and the 2021 Census counted 369 people in the community.

The Quebec rules that apply

Licensing for consumer credit in Quebec sits with the province or territory, and the Financial Consumer Agency of Canada maintains the public list of 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.

Places in the smallest population band are grouped here as small communities, and the pages carry the same census fields and the same provincial rules as the largest city.

The census figures for Sainte-Irène

Sainte-Irène recorded a population of 369 in Statistics Canada's 2021 Census of Population. Statistics Canada lists 135.1 square kilometres of land for the community.

On those two figures, density is 2.7 residents per square kilometre when rounded to one decimal place.

By population it ranks 1018 among the Quebec places covered here.

Sainte-Irène is one of 1150 places listed for Quebec, ranked 1018 by population and measured at 135.1 square kilometres.

Products compared here

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

• Payday loans: Small, short-term advances against a pay date, the most tightly regulated product in Canadian consumer credit.
• No credit check loans: What lenders who advertise without a credit check actually look at instead, and where the cost goes.

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.

A mortgage is registered against the property, which is what gives the lender its claim. A deposit or trade-in reduces the amount financed and therefore the interest charged over the term.

At 369 residents in the 2021 Census, Sainte-Irène is listed alongside the other covered places in Quebec.

Sainte-Irène ranks 1018 by 2021 Census population among the covered places in Quebec.

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

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

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

Readers comparing Sainte-Irène with another community can use the same four census fields.

Sainte-Irène is one of 1150 covered Quebec places, counted at 369 residents with a land area of 135.1 square kilometres.

Sainte-Irène sits at rank 1018 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

Sainte-Irène appears in the census record with 369 residents, and the density of 2.7 people per square kilometre follows from it.

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

The density figure for Sainte-Irène, 2.7 people per square kilometre, is calculated from the population and land area above.

The land area recorded for Sainte-Irène is 135.1 square kilometres, and the population is 369 residents in the 2021 Census.

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

Census figures are from Statistics Canada's 2021 Census of Population, and the payday position is taken from the federal Payday Lending Regulations (SOR/2024-114).

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