Does the Kia K5 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 Kia K5 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 Kia K5 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
Kia builds the K5 sedan at its West Point, Georgia plant, so it passes the OBBBA final-assembly test. Financed new for personal use and under the income cap, a K5 loan's interest can be deductible. Remember assembly is only one of the gates the deduction checks.
Where the Kia K5 is assembled
| Assembly plant | Location | Assembly test |
|---|---|---|
| Kia Georgia | West Point, GA | ✓ 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 Kia K5 built?
US-market K5s are assembled at Kia Georgia in West Point, a US final-assembly point that meets the assembly test.
Is the K5 built in the same plant as the Sorento and Telluride?
Yes, all three come from West Point, Georgia — though some Sorentos and Sportages are also imported, so decode those VINs. The K5 is US-built.
Is a used K5 eligible?
No. The deduction only covers new vehicles. A used K5, even a Georgia-built one, does not qualify because original use must begin with you.
Advertiser disclosure
Financing a Kia K5? 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.