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

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

In Quebec, given the severe winter conditions and extensive use of road salt, the concern for vehicle rust is understandable. However, modern vehicles, including those in the 2025 market, are manufactured with advanced corrosion protection and typically come with comprehensive factory anti-perforation warranties, often spanning 5 to 7 years. When considering aftermarket rust-proofing, such as annual oil sprays or electronic modules, it's critical to understand that financing these additions into your car loan will increase the principal amount borrowed, leading to higher total interest paid and elevated monthly payments over the entire loan term. While some treatments can offer supplementary protection, you must weigh the substantial added cost against the manufacturer's already robust coverage and your anticipated ownership period. Be cautious of certain rubberized undercoatings, which can sometimes trap moisture and potentially void existing factory warranties. Always meticulously review your vehicle's specific corrosion warranty and calculate the true long-term financial impact before committing to an additional rust-proofing package on your car loan.

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