Does the Toyota Tundra 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 Toyota Tundra 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 Toyota Tundra 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 Toyota Tundra for the US market is built in San Antonio, Texas, so the full-size Tundra passes the OBBBA assembly test. Bought new for personal use with a qualifying loan and income under the phase-out, its interest can be deductible. US assembly is one gate; the others still apply.
Where the Toyota Tundra is assembled
| Assembly plant | Location | Assembly test |
|---|---|---|
| Toyota Texas (TMMTX) | San Antonio, 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 Toyota Tundra assembled?
The Tundra — including the i-FORCE MAX hybrid — is built at Toyota Texas in San Antonio, a US final-assembly point that meets the assembly test.
Does the Tundra hybrid qualify?
Yes. The i-FORCE MAX hybrid is built on the same San Antonio line, so it passes the assembly test the same as the standard V6.
Can I deduct the interest if I use my Tundra for work?
The OBBBA deduction is for personal-use vehicles. A Tundra used mainly for business falls under separate business-expense rules, not this deduction.
Advertiser disclosure
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