Does the Ford F-250 Super Duty 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-250 Super Duty is built and what it means for your loan interest.
Assembly data: NHTSA vPIC + our verified plant lists · Not tax advice · Methodology
✓
PASS — assembled in the USA
The Ford F-250 Super Duty 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 assembles the F-250 Super Duty at the Kentucky Truck Plant in Louisville and Ohio Assembly in Avon Lake, so this heavy-duty pickup clears the OBBBA final-assembly test. Financed new for personal use and under the income cap, a Super Duty loan's interest can qualify. Trucks used mainly for business fall under separate rules, though.
Where the Ford F-250 Super Duty is assembled
| Assembly plant | Location | Assembly test |
|---|---|---|
| Kentucky Truck Plant | Louisville, KY | ✓ United States |
| Ohio Assembly Plant | Avon Lake, OH | ✓ 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
Where is the Ford F-250 Super Duty built?
The Super Duty is assembled at Ford's Kentucky Truck Plant in Louisville, KY and Ohio Assembly Plant in Avon Lake, OH — both US final-assembly points that meet the assembly test.
Do the F-350 and larger Super Duty trucks qualify too?
Yes. The full Super Duty lineup is built on the same US lines, so the assembly test is satisfied — but heavy trucks are often work vehicles, and the deduction is for personal use.
How do I confirm my Super Duty was US-assembled?
Decode the VIN — the 11th character encodes the plant, and the Monroney label lists the final assembly point. Our VIN checker reads it for you.
Advertiser disclosure
Financing a Ford F-250 Super Duty? Compare rates before you sign.
A lower rate means less interest — and the qualifying interest is what's deductible. Compare partner lenders; checking won't affect your credit score.