Does My Car Qualify?

About this site

Check your VIN. See your car loan interest deduction. Free, private, and based on the actual rules.

Last reviewed: Owner: 0824 Holding LLC

Why this exists

The car loan interest deduction arrived with the One Big Beautiful Bill Act and became workable when the final regulations were published in September 2026. The hard part is not the arithmetic - it is the eligibility. It depends on one fact most buyers cannot see from the driver's seat: where the vehicle was finally assembled. Two cars on the same lot, with the same badge and the same price, can have different answers.

We built a VIN checker that reads NHTSA's own public decoder, a calculator that reproduces Schedule 1-A Part IV line by line, and 108 model pages built from NHTSA's Part 583 filings so you can see the pattern before you buy.

Who runs it

Does My Car Qualify? is run by 0824 Holding LLC, an independent publisher. We are not the IRS, we are not affiliated with any government agency, and we do not sell cars, loans or tax services.

Editorial standards

  • Primary sources only. The statute, the regulations, IRS forms and instructions, and NHTSA's own vehicle data. No other site is treated as an authority.
  • Cite and date everything. Each fact points at its source, and every page carries a "last reviewed" date.
  • Never guess. When a source does not settle a question - a carline built in more than one country, two reports that disagree, a vehicle NHTSA cannot decode - the answer on this site is "check your VIN", not a plausible guess. 16 of our 108 model pages are in that state on purpose.
  • No dark patterns. No countdown timers, no "you may be owed $X" language, no email capture to see a result. The result is the result.
  • Plain English. Short sentences, roughly an eighth-grade reading level, and a "likely" or "estimate" wherever certainty does not exist.

How this site makes money

Advertising. Adverts, when they are switched on, appear in clearly labelled slots, and there is one disclosed referral box on result and calculator screens with the label "Ad / Referral" for a possible refinance or insurance partner. Advertising never changes a verdict, and we do not sell, rank or hide model pages for commercial reasons. At the time of writing, no ad network code and no affiliate links are live, and no ad or referral slots are shown.

Corrections

If something here is wrong, tell us and we will fix it. Email contact@doesmycarqualify.com with the page and the fact you think is wrong. Corrections that change a conclusion are made on the page with the "last reviewed" date updated. We do not remove a page to avoid a correction.

The vehicle data method, including every PDF we read and how we handle conflicts between reports, is documented on How it works and in the DATA-SOURCES.md file that ships with the source download.

Terms in one line

Estimates only, no warranty, not tax advice - the full text is in Terms of use and Disclaimer.

All sources

  1. IRC §163(h)(4), added by the One Big Beautiful Bill Act of 2025, Pub. L. 119-21, §70203 (the car loan interest deduction) — accessed 2026-10-07.
  2. T.D. 10054, final regulations under 26 CFR §1.163-16 and §1.6050AA-1, 91 FR (September 8, 2026); effective November 9, 2026 — accessed 2026-10-07.
  3. Proposed regulations REG-113515-25 (91 FR 67, January 2, 2026) and IRS news release IR-2025-129 (December 31, 2025) — accessed 2026-10-07.
  4. IRS Schedule 1-A (Form 1040), Part IV "No Tax on Car Loan Interest", lines 22-30, and the IRS explainer for Schedule 1-A — accessed 2026-10-07.
  5. IRS Topic No. 505, Interest expense — accessed 2026-10-07.
  6. IRS Notice 2025-57 (2025 lender reporting transition relief) and Form 1098-VLI, Vehicle Loan Interest Statement — accessed 2026-10-07.
  7. NHTSA vPIC VIN decoder (named in the regulation preamble as a way to check the plant of manufacture) — accessed 2026-10-07.
  8. NHTSA Part 583 American Automobile Labeling Act (AALA) reports - final assembly point by carline, MY2025 and MY2026 — accessed 2026-10-07.
  9. NHTSA public VIN decoder - look up a vehicle's plant of manufacture yourself, without this site — accessed 2026-10-07.

We link to primary sources: the statute, the regulations, IRS forms and instructions, and NHTSA's own vehicle data. Where those sources do not settle a question, we say so rather than guess.