Does the Honda Ridgeline 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 Honda Ridgeline 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 Honda Ridgeline 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
Honda builds the Ridgeline pickup in Lincoln, Alabama, so it passes the OBBBA final-assembly test. Financed new for personal use with income under the phase-out, the interest on a Ridgeline loan can qualify. As always, US assembly is necessary but not the only requirement.
Where the Honda Ridgeline is assembled
| Assembly plant | Location | Assembly test |
|---|---|---|
| Lincoln (Honda Alabama) | Lincoln, AL | ✓ 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 Honda Ridgeline made?
The Ridgeline is assembled at Honda's Lincoln, Alabama plant — the same facility that builds the Pilot and Passport — which meets the US assembly test.
Is the Ridgeline treated like a truck or a car for the deduction?
The deduction covers qualifying personal-use vehicles regardless of body style, so a US-built Ridgeline is eligible if the loan, income, and new-vehicle tests are met.
Does using the Ridgeline for a side business affect the deduction?
The OBBBA deduction is for personal use. Interest on a truck used mainly for business is handled under separate business rules, not this one.
Advertiser disclosure
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