Does the Ford Ranger 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 Ranger 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 Ranger 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 current Ranger at the Michigan Assembly Plant in Wayne, so this midsize pickup clears the OBBBA final-assembly test. Financed new for personal use with income under the phase-out, a Ranger loan's interest can be deductible. Assembly is one gate — the calculator handles the rest.
Where the Ford Ranger is assembled
| Assembly plant | Location | Assembly test |
|---|---|---|
| Michigan Assembly Plant | Wayne, MI | ✓ 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 Ranger built?
The current Ranger — including the Ranger Raptor — is assembled at Ford's Michigan Assembly Plant in Wayne, a US final-assembly point that meets the assembly test.
Is the Ranger built in the same plant as the Bronco?
Yes. The Ranger and the full-size Bronco both come from Michigan Assembly in Wayne, so both are US-assembled.
Does using the Ranger for work affect the deduction?
The OBBBA deduction is for personal use. Interest on a truck used mainly for business falls under separate business rules, not this one.
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.