Which Fords Qualify for the $10K/Year Tax Break?
The One, Big, Beautiful Bill Act significantly affects federal taxes, credits and deductions. It was signed into law on July 4, 2025, as Public Law 119-21.
This law includes provisions that allow eligible taxpayers to claim up to $10,000 in a tax deduction related to interest paid on certain qualifying new vehicle loans. This is not a dealer discount, and eligibility depends on the specific behicle and your individual tax situation.
To help you quickly check one of the most important requirements—whether a specific vehicle was assembled in the United States—we’ve included a VIN checker below. Enter a VIN and we’ll show the assembly plant location using official NHTSA vPIC data.
Key points
- This is not a dealer discount. It is a potential federal tax deduction administered by the IRS.
- The provision relates to interest paid on loans for certain eligible new vehicles assembled in the United States—up to $10,000 (subject to IRS rules and your individual tax situation).
- Phases out for taxpayers with modified adjusted gross income over $100,000 ($200,000 for joint filers).
- New vehicles / first owner:This deduction applies only to new vehicles and is intended for the first owner.
- The most practical way to check assembly location is by decoding the 17-character VIN.
- Our tool shows “Assembled in the U.S.” only when the NHTSA vPIC response indicates the plant country is the United States.
How the VIN checker works
When you enter a VIN, this tool requests the decoded “plant” fields from the official NHTSA vPIC VIN Decoder API and displays the plant country/city/state when available. The color you see is based on what vPIC returns for Plant Country.
Tip: VINs are 17 characters and do not use the letters I, O, or Q.
Example VIN checker results (expand)
VIN checker (assembly location)
FAQ
Does “assembled in the U.S.” mean the vehicle definitely qualifies?
Not necessarily. Assembly location is one requirement, but eligibility can depend on the specific law, IRS guidance, the loan, and your tax situation. Use this as a quick check, then confirm with a qualified tax professional.
Why might VIN results be incomplete?
Some VINs return limited data in vPIC. If plant fields are missing, the data may not be available for that VIN.
Do you store my VIN?
No we do not store any record of your VIN or any other information with this tool.
For details and the most current rules, see the IRS newsroom page and the Ford article.
Holler Ford is not providing tax, legal, or accounting advice. This page is for general informational purposes only. Eligibility may depend on IRS guidance and your individual circumstances. Please consult a qualified tax professional and/or the IRS.
