Borrowing in Waltham, Quebec

Waltham, Quebec, recorded a population of 387 in the 2021 Census; the rules that govern a loan signed there are provincial.

How borrowing works locally

Disclosure requirements mean the cost of borrowing must be stated before an agreement is signed.

Joint applications combine two incomes and two sets of obligations in the same assessment. Payment history is reported to credit agencies, and that record is what builds or damages a credit file over time.

Products compared here

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

• Car loans: Financing a vehicle, including the effect of trade-in equity, negative equity and dealer-arranged credit.
• Debt consolidation loans: Replacing several expensive debts with one payment, and the arithmetic that decides whether it helps.

The census figures for Waltham

The 2021 Census counted 387 residents in Waltham. Land area for Waltham is 360.2 square kilometres in the same census.

The arithmetic gives 1.1 people per square kilometre.

Among covered Quebec places, Waltham sits at rank 1001 by population.

Waltham sits at rank 1001 among the 1150 Quebec places here, with 387 residents in the 2021 Census.

The Quebec rules that apply

Consumer lending in Quebec is licensed provincially or territorially, and the Financial Consumer Agency of Canada publishes the list of provincial and territorial regulators where the current position appears.

For Quebec, the federal Payday Lending Regulations (SOR/2024-114) record that payday lending is not licensed, so the cost limit should be confirmed with the provincial regulator.

At the small end of the census range, the community still borrows inside the province's licensing system.

The land area recorded for Waltham is 360.2 square kilometres, and the population is 387 residents in the 2021 Census.

Waltham ranks 1001 by 2021 Census population among the covered places in Quebec.

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

At 387 residents in the 2021 Census, Waltham is listed alongside the other covered places in Quebec.

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

Waltham is one of 1150 covered Quebec places, counted at 387 residents with a land area of 360.2 square kilometres.

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

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

Waltham appears in the census record with 387 residents, and the density of 1.1 people per square kilometre follows from it.

Waltham sits at rank 1001 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

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

The density figure for Waltham, 1.1 people per square kilometre, is calculated from the population and land area above.

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.

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