2025 Ford F-150: does it qualify?
Yes - NHTSA's MY2025 Part 583 report lists US final assembly for the 2025 Ford F-150 (a decoded VIN shows Dearborn, Michigan and Claycomo, Missouri), so it likely qualifies if you buy it new with a loan taken out after December 31, 2024 and use it mainly for personal purposes.
Likely qualifies
Yes, if you buy it new - final assembly is in the United States (Dearborn, Michigan and Claycomo, Missouri).
NHTSA's MY2025 Part 583 report lists final assembly in the United States for the "F150" carline.
This is an estimate, not tax advice. It assumes the car is bought new, with a loan taken out after December 31, 2024, used mainly for personal purposes, and that the VIN is reported on Schedule 1-A.
Key facts
| Make | Ford |
|---|---|
| Model | F-150 |
| Model year | 2025 |
| Vehicle type | Pickup truck |
| Segment | Full-size pickup |
| Final assembly | US assembly Dearborn, Michigan; Claycomo, Missouri |
| US / Canada content | 45% |
| Engine / motor origin | Mexico, the United States M: 3.5L; US: 2.7L, 5.0L |
| Transmission origin | the United States |
| GVWR | Light-duty pickup. NHTSA's Part 583 report covers vehicles up to 8,500 lb GVWR; confirm the GVWR on the driver's door-jamb label, which must be under 14,000 lb. Heavy-duty versions of the same nameplate have a different carline and are not covered by this page. |
| AALA carlines | F150 |
| Last verified |
Window stickers list the "Final Assembly Point"; the plant code is the 11th character of the VIN.
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Model-year note. The deduction depends on the loan date and the vehicle, not on the model year. A new F-150 bought in 2026 with a 2026 loan still qualifies for 2026, 2027 and 2028 interest, however old the design is.
Why we say that
The interest on a car loan is deductible only if the vehicle was finally assembled in the United States (IRS Fact Sheet FS-2025-03). Our answer for the 2025 Ford F-150 comes from the manufacturer's own Part 583 (American Automobile Labeling Act) filing to NHTSA, which states the final assembly countries for each carline. The MY2025 report lists the United States .
Because NHTSA's filing lists the United States, the final-assembly test is met for this carline. That still leaves the "new vehicle", "personal use", "loan date" and "first lien" tests, which depend on you and your paperwork - use the VIN checker for the vehicle tests and the six-point checklist for the rest.
What you must still confirm yourself
- New. Your use has to be the first use after it is sold, registered or titled.
- The loan. Taken out after December 31, 2024, for the purchase, secured by a first lien.
- Personal use. More than 50% of the expected use, personal.
- Filing. The VIN must appear on Schedule 1-A, Part IV - otherwise no deduction.
Related vehicles
Depends on VIN
US assembly
Non-US assembly
US assembly
US assembly
US assembly
Ford F-150 questions
Does a 2025 Ford F-150 qualify for the car loan interest deduction?
Yes, if you buy it new - final assembly is in the United States (Dearborn, Michigan and Claycomo, Missouri). NHTSA's MY2025 Part 583 report lists final assembly in the United States for the "F150" carline. It also has to be new, bought with a loan taken out after December 31, 2024, used mainly for personal purposes, and the VIN has to be reported on Schedule 1-A.
Where is the Ford F-150 assembled?
NHTSA's Part 583 report for model year 2025 covers the "F150" carline and lists final assembly in the United States. The exact plant and plant code are on your window sticker and in VIN position 11.
How much could I deduct on a Ford F-150 loan?
Up to $10,000 of the interest you pay in each tax year from 2025 to 2028, reduced by $200 for every $1,000 (or part of $1,000) of MAGI above $100,000, or above $200,000 on a joint return. Run your own numbers in the calculator.
Is the Ford F-150 under the 14,000 lb weight limit?
The F-150 is a full-size pickup in the pickup truck class, which sits well under the 14,000 lb GVWR limit. Check the driver's door-jamb label to confirm your specific vehicle's GVWR.
What if I buy a used Ford F-150?
No deduction. The loan has to be for a new vehicle - one where your use is the first use after it is sold, registered or titled. A used or certified pre-owned vehicle fails that test however the loan is structured.
Sources for the 2025 Ford F-150
- NHTSA Part 583 AALA report, MY2025 (Alphabetical master sheet), published April 7, 2025 — accessed 2026-10-07.
- NHTSA Part 583 American Automobile Labeling Act report index — accessed 2026-10-07.
- NHTSA vPIC VIN decoder (plant of manufacture) — accessed 2026-10-07.
- NHTSA vPIC decode of VIN 1FTFW5L85SFB16902 (2025 Ford F-150 Lariat, Dearborn, Michigan) — accessed 2026-10-07.
- NHTSA vPIC decode of VIN 1FTFW1L54SKE80749 (2025 Ford F-150 XL, Claycomo (Kansas City), Missouri) — 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.