Borrowing in Sainte-Perpétue, Quebec

This page covers borrowing in Sainte-Perpétue, Quebec: the census facts, the provincial rules, and the products people compare.

The census figures for Sainte-Perpétue

Sainte-Perpétue recorded a population of 916 in Statistics Canada's 2021 Census of Population. The census records a land area of 71.5 square kilometres for Sainte-Perpétue.

On those two figures, density is 12.8 residents per square kilometre when rounded to one decimal place.

Among covered Quebec places, Sainte-Perpétue sits at rank 699 by population.

Sainte-Perpétue is one of 1150 places listed for Quebec, ranked 699 by population and measured at 71.5 square kilometres.

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.

Payday lending is not licensed in Quebec; the federal Payday Lending Regulations (SOR/2024-114) list Quebec separately from the provinces that operate a licensed payday regime.

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 longer amortisation lowers each payment and raises the total interest paid over the life of the loan.

Adding a co-signer puts a second file in front of the lender and adds a second person to the obligation. Debt management plans are administered by accredited credit counsellors, and they are not loans.

Products compared here

Among the 20 products compared here, these two are commonly used for the purposes described.

• Home equity loans: Converting property equity into credit, and the difference between a lump sum and a revolving limit.
• Payday loans: Small, short-term advances against a pay date, the most tightly regulated product in Canadian consumer credit.

The land area recorded for Sainte-Perpétue is 71.5 square kilometres, and the population is 916 residents in the 2021 Census.

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

Sainte-Perpétue sits at rank 699 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

The density figure for Sainte-Perpétue, 12.8 people per square kilometre, is calculated from the population and land area above.

At 916 residents in the 2021 Census, Sainte-Perpétue is listed alongside the other covered places in Quebec.

Sainte-Perpétue ranks 699 by 2021 Census population among the covered places in Quebec.

Sainte-Perpétue appears in the census record with 916 residents, and the density of 12.8 people per square kilometre follows from it.

Sainte-Perpétue is one of 1150 covered Quebec places, counted at 916 residents with a land area of 71.5 square kilometres.

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

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

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

For Sainte-Perpétue, 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.

Population and land area figures come from Statistics Canada's 2021 Census of Population; regulatory statements are attributed to the federal Payday Lending Regulations (SOR/2024-114).

The provincial rules apply wherever a borrower is in Quebec; a municipal boundary does not change them.