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In QC, what should I know about add-ons and etching for car loans?
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Car Loan Glossary • province

In QC, what should I know about add-ons and etching for car loans?

In Quebec, add-ons such as anti-theft etching, paint protection, fabric guard, extended warranties, and credit insurance are almost always optional, despite often being presented as mandatory or highly recommended during the car buying process. Dealerships frequently include these high-margin products in the financing agreement, which significantly inflates your total loan amount and, consequently, your monthly payments and the overall interest paid over the loan's term. Under Quebec's robust Consumer Protection Act, dealers are legally obligated to clearly disclose that these items are optional and provide separate, transparent pricing for each. For 2025 and beyond, with potentially fluctuating interest rates, adding thousands for these extras can have a substantial and unnecessary impact on your financial burden. It is crucial to meticulously scrutinize every line item on your purchase agreement and financing contract. Decline any add-ons or etching unless you have thoroughly researched their true value, confirmed they aren't already covered by your manufacturer's warranty or personal insurance, and genuinely believe they are a necessary investment for your specific situation, thereby protecting your budget from avoidable costs.

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