Does the Rivian R1T 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 Rivian R1T 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 Rivian R1T 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
Every Rivian R1T is built at Rivian's plant in Normal, Illinois — the company has no other passenger-vehicle assembly site — so the R1T passes the OBBBA final-assembly test. Buy it new for personal use with a qualifying loan and keep your income under the cap, and the interest can be deductible.
Where the Rivian R1T is assembled
| Assembly plant | Location | Assembly test |
|---|---|---|
| Rivian Normal Plant | Normal, IL | ✓ 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 Rivian R1T built?
In Normal, Illinois. Rivian assembles the R1T pickup, the R1S SUV and its commercial vans at that single US plant, so the R1T is US final-assembled.
Does the R1T qualify even though it's electric?
Yes, on the assembly test. The OBBBA deduction looks at where the vehicle is assembled, not what powers it, and the R1T is assembled in Illinois.
The R1T is expensive — does the price matter?
The deduction caps the interest you can write off, not the sticker price, but your MAGI does matter: the benefit phases out above $100,000 single / $200,000 joint. A high-priced truck can still leave you with no deduction if your income is over the cap.
Related vehicles
Rivian R1S ✓ Qualifies Ford F-150 ✓ Qualifies Chevrolet Silverado 1500 ! Depends on VIN Toyota Tacoma ✕ Doesn't qualify Toyota Tundra ✓ Qualifies Honda Ridgeline ✓ Qualifies
Advertiser disclosure
Financing a Rivian R1T? 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.