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

In British Columbia, when considering rust-proofing for a car loan, it's crucial to understand that most modern vehicles sold in Canada, especially those from reputable manufacturers, come with comprehensive factory corrosion perforation warranties, often spanning 5 to 7 years with unlimited mileage. This means the manufacturer already provides significant protection against rust that eats through the body panels. Aftermarket rust-proofing, such as oil sprays, electronic modules, or undercoatings, represents an additional cost that dealers often present as an essential add-on, which can then be rolled into your car loan, increasing your total financed amount and the interest paid over the loan's term.

While BC's climate varies from the humid coast to drier interior regions where road salt is still used in winter, the effectiveness of aftermarket rust-proofing, particularly electronic modules, is widely debated among automotive experts, and some undercoatings can even trap moisture if not applied perfectly, potentially accelerating rust. Annual oil-based rust treatments are generally considered more effective but require ongoing cost and reapplication. Why this matters to you as a consumer is multifaceted: you need to weigh the significant upfront and ongoing costs against the existing factory warranty and the actual, proven benefit. Adding several hundred or even a thousand dollars to your loan