Does the Subaru Ascent 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 Subaru Ascent 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 Subaru Ascent 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
Subaru builds the three-row Ascent at its Lafayette, Indiana plant, so it passes the OBBBA final-assembly test. Financed new for personal use and under the income cap, an Ascent loan's interest can be deductible. US assembly is one gate; the others still apply.
Where the Subaru Ascent is assembled
| Assembly plant | Location | Assembly test |
|---|---|---|
| Subaru of Indiana Automotive | Lafayette, IN | ✓ 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 Subaru Ascent built?
The Ascent is assembled at Subaru of Indiana Automotive in Lafayette, a US final-assembly point that meets the assembly test.
Is the Ascent built in the same plant as the Outback?
Yes. Subaru's Lafayette, Indiana plant builds the Ascent, Outback, and Legacy, so all are US-assembled.
Does a used Ascent qualify?
No. Only new vehicles qualify. A used Ascent, even an Indiana-built one, is out because original use must begin with you.
Advertiser disclosure
Financing a Subaru Ascent? 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.