Borrowing in Stanstead, Quebec

Stanstead, Quebec, recorded a population of 1,148 in the 2021 Census; the rules that govern a loan signed there are provincial.

How borrowing works locally

A credit file is compiled by private agencies from information lenders and other creditors report.

Provincial licensing decides who may lend, and federal rules add a ceiling where a licensed payday regime exists. Debt management plans are administered by accredited credit counsellors, and they are not loans.

Products compared here

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

• 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.

The census figures for Stanstead

1,148 people were counted in Stanstead in the 2021 Census. The census records a land area of 113.2 square kilometres for Stanstead.

Dividing population by land area gives 10.1 residents per square kilometre, rounded to one decimal place.

Its provincial population rank is 599 within this data set.

Compared with the other 1150 covered Quebec places, Stanstead ranks 599 by population.

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.

The federal Payday Lending Regulations (SOR/2024-114) are explicit that Quebec does not license payday lending, which changes which rules a short-term advance falls under.

Small places are covered the same way as large ones: census figures for the place, and the provincial position on lending.

Stanstead ranks 599 by 2021 Census population among the covered places in Quebec.

Readers comparing Stanstead with another community can use the same four census fields.

Stanstead appears in the census record with 1,148 residents, and the density of 10.1 people per square kilometre follows from it.

Stanstead sits at rank 599 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

The land area recorded for Stanstead is 113.2 square kilometres, and the population is 1,148 residents in the 2021 Census.

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

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

At 1,148 residents in the 2021 Census, Stanstead is listed alongside the other covered places in Quebec.

Stanstead is one of 1150 covered Quebec places, counted at 1,148 residents with a land area of 113.2 square kilometres.

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

The density figure for Stanstead, 10.1 people per square kilometre, is calculated from the population and land area above.

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

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.

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