If you buy a car in Canada and you want to finance your car, OK.
In Canada, I think (I forgot the exact number) less than 15 % of Canada pay off a brand new car (i.e. not financing).
Because of this fact, Canadian car dealers won't match its American counterparts. They know most Canadians don't have enough US dollars to pay off a brand new car bought from American dealer. Most Canadian, if they have 30000 CAD, the best investment is to pay down mortgage.