Borrowing in Stoke, Quebec

Stoke, Quebec, recorded a population of 3,014 in the 2021 Census; the rules that govern a loan signed there are provincial.

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.

Communities of this size are listed here with population, land area and density, and the lending rules remain provincial.

The census figures for Stoke

3,014 people were counted in Stoke in the 2021 Census. 255.1 square kilometres of land are attributed to Stoke.

Population divided by land area produces a density of 11.8 people per square kilometre.

The community is the 274th largest place in the province within this census set.

The place record for Stoke covers 255.1 square kilometres and 3,014 residents, a density of 11.8 people per square kilometre.

Products compared here

These are two of the 20 products described on the site, and each has a national page as well as the provincial rules.

• 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 secured product gives the lender a claim on a named asset, which is why its price is usually lower than an unsecured equivalent.

A mortgage is registered against the property, which is what gives the lender its claim. Interest on a line of credit accrues only on the drawn portion, not on the unused limit.

At 3,014 residents in the 2021 Census, Stoke is listed alongside the other covered places in Quebec.

The density figure for Stoke, 11.8 people per square kilometre, is calculated from the population and land area above.

Stoke sits at rank 274 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

Stoke appears in the census record with 3,014 residents, and the density of 11.8 people per square kilometre follows from it.

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

Stoke is one of 1150 covered Quebec places, counted at 3,014 residents with a land area of 255.1 square kilometres.

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

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

The land area recorded for Stoke is 255.1 square kilometres, and the population is 3,014 residents in the 2021 Census.

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

Stoke ranks 274 by 2021 Census population among the covered places in Quebec.

For Stoke, 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).

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