Borrowing in Val-Joli, Quebec

Val-Joli, Quebec, recorded a population of 1,671 in the 2021 Census; the rules that govern a loan signed there are provincial.

The Quebec rules that apply

Consumer credit in Quebec is licensed by the provincial or territorial regulator, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators.

Quebec is the province that does not license payday lending, so the federal cap that applies in licensed provinces has no provincial regime to sit inside.

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

The census figures for Val-Joli

Population for Val-Joli stands at 1,671 in the 2021 Census. 91.7 square kilometres of land are attributed to Val-Joli.

Population divided by land area produces a density of 18.2 people per square kilometre.

Among covered Quebec places, Val-Joli sits at rank 472 by population.

Within Quebec, Val-Joli is place number 472 by population in this census set, at 1,671 residents.

Products compared here

Each product below has its own page, and the Quebec position applies to all of them.

• Unsecured loans: Borrowing with no asset pledged, priced for the risk the lender is taking on your file alone.
• Business loans: Commercial borrowing, what lenders read in a business file, and how the assessment differs from personal credit.

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.

Interest on a line of credit accrues only on the drawn portion, not on the unused limit. A credit file is compiled by private agencies from information lenders and other creditors report.

Val-Joli is one of 1150 covered Quebec places, counted at 1,671 residents with a land area of 91.7 square kilometres.

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

Readers comparing Val-Joli with another community can use the same four census fields.

Val-Joli appears in the census record with 1,671 residents, and the density of 18.2 people per square kilometre follows from it.

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

Val-Joli ranks 472 by 2021 Census population among the covered places in Quebec.

At 1,671 residents in the 2021 Census, Val-Joli is listed alongside the other covered places in Quebec.

The density figure for Val-Joli, 18.2 people per square kilometre, is calculated from the population and land area above.

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

For Val-Joli, 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.

Statistics Canada's 2021 Census of Population supplies the population and land-area figures, and the federal Payday Lending Regulations (SOR/2024-114) supply the payday position.

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