Borrowing in Sainte-Sophie, Quebec

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

Products compared here

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

• Mortgage refinancing: Replacing an existing mortgage to change the rate, the term or the amount borrowed, and what it costs.
• Cash advance loans: Immediate short-term cash, including the difference between a cash advance on credit and a payday-style advance.

How borrowing works locally

A deposit or trade-in reduces the amount financed and therefore the interest charged over the term.

A prepayment privilege allows a borrower to pay more than the scheduled amount, sometimes with a charge attached. A lender may ask for proof of address, and a permanent address is a standard requirement for consumer credit.

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.

Quebec does not license payday lending, a fact the federal Payday Lending Regulations (SOR/2024-114) record when it lists the provinces that regulate the product.

This community sits in the lower-middle population band, which changes the census figures rather than the rules.

The census figures for Sainte-Sophie

18,080 people were counted in Sainte-Sophie in the 2021 Census. Statistics Canada lists 111.2 square kilometres of land for the community.

On those two figures, density is 162.6 residents per square kilometre when rounded to one decimal place.

The community is the 65th largest place in the province within this census set.

Sainte-Sophie sits at rank 65 among the 1150 Quebec places here, with 18,080 residents in the 2021 Census.

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

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

Sainte-Sophie is one of 1150 covered Quebec places, counted at 18,080 residents with a land area of 111.2 square kilometres.

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

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

Sainte-Sophie ranks 65 by 2021 Census population among the covered places in Quebec.

Sainte-Sophie appears in the census record with 18,080 residents, and the density of 162.6 people per square kilometre follows from it.

The land area recorded for Sainte-Sophie is 111.2 square kilometres, and the population is 18,080 residents in the 2021 Census.

The density figure for Sainte-Sophie, 162.6 people per square kilometre, is calculated from the population and land area above.

Sainte-Sophie sits at rank 65 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

For Sainte-Sophie, 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.

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).

The same structure is used for every place covered, so two communities can be compared field by field: population, land area, density, rank, and the provincial rules.