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In AB, what should I know about rust-proofing for car loans?
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Car Loan Glossary • ab

In AB, what should I know about rust-proofing for car loans?

In Alberta, understanding rust-proofing in the context of a car loan is crucial for financial prudence. Modern vehicles, particularly new models available in 2025, are manufactured with advanced corrosion protection and typically include comprehensive factory warranties against rust perforation, often for 5 to 7 years or more. This means that for a new car, adding an aftermarket rust-proofing package can be a redundant expense that significantly inflates your total loan amount, leading to higher monthly payments and increased interest costs over the loan's duration. While Alberta's climate is generally drier than coastal regions, road salt is still widely used during winter, making long-term corrosion a valid concern for vehicle longevity. However, lenders in Alberta do not typically *mandate* rust-proofing for car loan approval; it's an optional add-on product offered by dealerships. Consumers should critically evaluate the specific type of rust-proofing proposed, its cost, and how it aligns with their vehicle's existing factory warranty and their intended ownership period. The primary takeaway for consumers is to avoid unnecessary additions to their car loan, ensuring they make an informed decision that balances potential long-term vehicle preservation against the immediate financial impact on their financing.

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