Borrowing in Waterville, Quebec

With 2,307 residents counted in the 2021 Census, Waterville sits inside Quebec's provincial lending framework.

Products compared here

Among the 20 products compared here, these two are commonly used for the purposes described.

• Home equity loans: Converting property equity into credit, and the difference between a lump sum and a revolving limit.
• Payday loans: Small, short-term advances against a pay date, the most tightly regulated product in Canadian consumer credit.

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.

Adding a co-signer puts a second file in front of the lender and adds a second person to the obligation. Joint applications combine two incomes and two sets of obligations in the same assessment.

The Quebec rules that apply

Provincial or territorial law decides who may lend in Quebec, and the Financial Consumer Agency of Canada publishes the list that names the regulator responsible.

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.

The lowest band groups villages, rural municipalities and small towns, all read against the same provincial rulebook.

The census figures for Waterville

Population for Waterville stands at 2,307 in the 2021 Census. The community covers 44.0 square kilometres of land.

Dividing population by land area gives 52.4 residents per square kilometre, rounded to one decimal place.

The 2021 Census population places it at rank 360 in the province.

The place record for Waterville covers 44.0 square kilometres and 2,307 residents, a density of 52.4 people per square kilometre.

Waterville sits at rank 360 within Quebec in this data set, and the provincial rules apply as they do elsewhere.

The land area recorded for Waterville is 44.0 square kilometres, and the population is 2,307 residents in the 2021 Census.

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

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

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

Waterville ranks 360 by 2021 Census population among the covered places in Quebec.

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

The density figure for Waterville, 52.4 people per square kilometre, is calculated from the population and land area above.

Waterville appears in the census record with 2,307 residents, and the density of 52.4 people per square kilometre follows from it.

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

At 2,307 residents in the 2021 Census, Waterville is listed alongside the other covered places in Quebec.

Waterville is one of 1150 covered Quebec places, counted at 2,307 residents with a land area of 44.0 square kilometres.

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).

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