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

When securing a car loan in Manitoba for 2025, understanding rust-proofing is a key consideration given our harsh winters and heavy road salt usage. While modern vehicles boast advanced factory corrosion protection and often come with manufacturer warranties-typically 5-7 years covering perforation-these warranties usually don't cover surface rust and can sometimes be affected by certain aftermarket applications. In Manitoba's climate, supplemental rust-proofing can be a strategic investment to protect your financed asset, potentially extending its lifespan, preserving its structural integrity, and enhancing its resale value down the line, which is increasingly important in today's market where vehicle ownership periods are lengthening. While not a mandatory component of car loans, many dealerships offer to roll rust-proofing costs into your financing; it's crucial to weigh the added interest and overall loan amount against the long-term benefits of mitigating corrosion. Research different types of treatments, like annual oil-based sprays which are often preferred for their ability to penetrate and self-heal, over older tar-based undercoatings that can sometimes trap moisture. Ultimately, this decision is about safeguarding your investment against Manitoba's unique environmental challenges, ensuring your vehicle remains reliable and holds its value throughout your loan term and beyond.