Does the Ford F-150 qualify for the car loan interest deduction?
The 2025–2028 deduction turns on where a vehicle is finally assembled — not the badge. Here's where the 2025–2026 Ford F-150 is built and what it means for your loan interest.
Assembly data: NHTSA vPIC + our verified plant lists · Not tax advice · Methodology
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PASS — assembled in the USA
The Ford F-150 qualifies on the assembly test. Assembly is one of four gates — you also need a new vehicle, personal use, a 2025–2028 loan, and income under the phase-out.
The short answer
Ford builds the F-150 in Michigan and Missouri, so America's best-selling truck passes the OBBBA assembly test. Financed new for personal use and under the income cap, the interest on your F-150 loan can be deductible.
Where the Ford F-150 is assembled
| Assembly plant | Location | Assembly test |
|---|---|---|
| Dearborn Truck Plant | Dearborn, MI | ✓ United States |
| Kansas City Assembly | Claycomo, MO | ✓ United States |
Confirm the other three tests
A US-assembly PASS is only the first gate. Each remaining condition has its own guide:
New & personal-use — used cars and leases don't qualify→ Loan dated 2025–2028 — refinancing keeps eligibility→ Income under the phase-out — run the MAGI calculator→
Frequently asked questions
Is the Ford F-150 assembled in the United States?
Yes. The F-150 is built at the Dearborn Truck Plant in Michigan and Kansas City Assembly in Claycomo, Missouri — both US final-assembly points.
Does the F-150 Lightning also qualify?
The F-150 Lightning is built at Ford's Rouge Electric Vehicle Center in Dearborn, MI, so it also meets the assembly test. As always, new-vehicle, personal-use and MAGI rules still apply.
What if I use my F-150 for work?
The OBBBA deduction is for personal-use vehicles. Interest on a truck used primarily for business is handled under separate business-expense rules, not this deduction.
Advertiser disclosure
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A lower rate means less interest — and the qualifying interest is what's deductible. Compare partner lenders; checking won't affect your credit score.