Does the Ram 2500 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 Ram 2500 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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FAIL — assembled outside the USA
The Ram 2500 does not qualify 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
The Ram 2500 heavy-duty pickup is built in Saltillo, Mexico, so it fails the OBBBA final-assembly-in-America test. A new, personal-use Ram 2500 still can't clear this gate because it isn't US-assembled. For a US-built full-size pickup, the current Ram 1500 (Michigan) or Ford Super Duty (Kentucky/Ohio) are worth a look.
Where the Ram 2500 is assembled
The Ram 2500 is imported for the US market — its final assembly point is outside the United States, so it fails the assembly test regardless of the brand.
Confirm the other three tests
A US-assembly result 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 Ram 2500 made in the USA?
No. The Ram 2500 and 3500 heavy-duty trucks are assembled in Saltillo, Mexico, so they do not meet the US final-assembly requirement.
The Ram 1500 qualifies — why not the 2500?
Different plants. The current Ram 1500 is built in Sterling Heights, Michigan, while the heavy-duty 2500 comes from Saltillo, Mexico — so only the 1500 passes.
Does buying a Ram 2500 new change anything?
No. New, personal use, and a qualifying loan aren't enough — the truck must also be US-assembled, and a Mexican-built 2500 fails that test.
Advertiser disclosure
Financing a Ram 2500? 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.