Does the Tesla Cybertruck 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 Tesla Cybertruck 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 Tesla Cybertruck 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
The Tesla Cybertruck is built exclusively at Gigafactory Texas in Austin, so it passes the OBBBA final-assembly test. As a US-built EV it is fully covered — the deduction turns on where the truck is assembled, not its powertrain.
Where the Tesla Cybertruck is assembled
| Assembly plant | Location | Assembly test |
|---|---|---|
| Gigafactory Texas | Austin, TX | ✓ 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 Tesla Cybertruck made?
The Cybertruck is built exclusively at Gigafactory Texas in Austin, a US final-assembly point that meets the assembly test.
Does an electric truck qualify for the deduction?
Yes. The OBBBA deduction is about US final assembly, not the powertrain, so a US-built Cybertruck qualifies on the assembly test the same as a gas truck.
Does using the Cybertruck for work affect eligibility?
The OBBBA deduction is for personal-use vehicles. A Cybertruck used mainly for business falls under separate business-expense rules instead.
Advertiser disclosure
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