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

For car loans in Nunavut, understanding rust-proofing is key to making an informed financial decision. Most new vehicles sold across Canada, including those destined for NU's unique climate, come equipped with robust factory corrosion warranties, typically covering rust-through for 5-7 years. These manufacturer warranties are designed to protect against premature corrosion under normal operating conditions. Therefore, dealer-offered aftermarket rust-proofing often represents an additional cost that gets rolled into your car loan, directly increasing your total financed amount, monthly payments, and the overall interest paid. While Nunavut's extreme cold can be tough on vehicles, the widespread use of corrosive road salts, a primary driver of rust in southern Canada, is significantly less common there. This distinction means the necessity and cost-benefit of aftermarket rust protection should be critically evaluated. Moreover, consumers must be cautious, as some aftermarket applications, if not done properly, could potentially impact or even void specific aspects of the original factory warranty. As a Canadian auto finance expert in 2025, I advise consumers to prioritize understanding their factory warranty and to carefully weigh the true long-term value and financial implications of any additional rust-proofing against its upfront cost, especially when financing.