2025 Toyota RAV4: does it qualify?
Can't tell from the nameplate
Check your VIN - NHTSA's reports do not settle the assembly location for this one.
NHTSA's MY2025 Part 583 report lists only the Rav4 PHEV carline for the RAV4, with final assembly in Japan. Real 2025 RAV4 VINs sold in the US decode in NHTSA's vPIC to Woodstock and Cambridge, Ontario, Canada - not the United States. Because the 2025 report does not cover the whole nameplate, we cannot give a nameplate answer: check your VIN or the window sticker.
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 | Toyota |
|---|---|
| Model | RAV4 |
| Model year | 2025 |
| Vehicle type | SUV |
| Segment | Compact SUV |
| Final assembly | Unknown Woodstock, Ontario; Cambridge, Ontario |
| US / Canada content | 0% |
| Engine / motor origin | Japan |
| Transmission origin | Japan |
| GVWR | Compact SUV. NHTSA's Part 583 report covers vehicles up to 8,500 lb GVWR; this nameplate is far below the 14,000 lb limit the deduction uses, but confirm the GVWR on the driver's door-jamb label. |
| AALA carlines | Rav4 PHEV |
| Last verified |
Window stickers list the "Final Assembly Point"; the plant code is the 11th character of the VIN.
Check your VIN
Your VIN stays in your browser. Nothing is sent to our servers - it goes only to NHTSA's public VIN decoder.
Model-year note. The deduction depends on the loan date and the vehicle, not on the model year. A new RAV4 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. Our answer for the 2025 Toyota RAV4 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 Japan .
NHTSA's filing does not settle the assembly location for this carline. Check the window sticker's "Final Assembly Point" or decode the VIN above before relying on this vehicle.
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
Depends on VIN
Non-US assembly
2025 Mitsubishi Outlander PHEV
Non-US assembly
Non-US assembly
US assembly
Toyota RAV4 questions
Does a 2025 Toyota RAV4 qualify for the car loan interest deduction?
Check your VIN - NHTSA's reports do not settle the assembly location for this one. NHTSA's MY2025 Part 583 report lists only the Rav4 PHEV carline for the RAV4, with final assembly in Japan. Real 2025 RAV4 VINs sold in the US decode in NHTSA's vPIC to Woodstock and Cambridge, Ontario, Canada - not the United States. Because the 2025 report does not cover the whole nameplate, we cannot give a nameplate answer: check your VIN or the window sticker. 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 Toyota RAV4 assembled?
NHTSA's Part 583 report for model year 2025 covers the "Rav4 PHEV" carline and lists final assembly in Japan. The exact plant and plant code are on your window sticker and in VIN position 11.
How much could I deduct on a Toyota RAV4 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 Toyota RAV4 under the 14,000 lb weight limit?
The RAV4 is a compact suv in the suv 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 Toyota RAV4?
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 Toyota RAV4
- 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 2T3P1RFV2SW555663 (2025 Toyota RAV4, Woodstock, Ontario) — accessed 2026-10-07.
- NHTSA vPIC decode of VIN 2T3P1RFV0SC523117 (2025 Toyota RAV4, Cambridge, Ontario) — 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.