Quick Takeaways
- Ford vehicle loan interest tax credit 2026 enables buyers to deduct interest on eligible U.S.-assembled models under the new federal tax law.
- The incentive applies across powertrains and relies on VIN-based confirmation of U.S. assembly.
On January 6, Ford detailed a new consumer-facing incentive under the One Big Beautiful Bill Act passed in 2025, introducing fresh tax benefits for vehicle buyers starting in 2026. The policy outlines how eligible customers can reduce borrowing costs on qualifying vehicles assembled in the United States.
How the Ford Vehicle Loan Interest Tax Credit 2026 Works
Under the new framework, buyers may deduct up to USD 10,000 per year in interest paid on vehicle loans. Unlike the electric vehicle tax credits that expired in the previous year, this benefit does not differentiate between powertrains, extending eligibility to gasoline, hybrid, and electric models alike.
To qualify, the vehicle’s final assembly in the United States must be verified using the Vehicle Identification Number. VIN confirmation serves as the sole validation method, ensuring that only domestically assembled vehicles receive the interest deduction.
Ford U.S.-Assembled Vehicles Eligible for the Tax Credit
Ford has confirmed that a wide range of its vehicles assembled in the U.S. qualify for the new interest deduction. Eligible models include:
Lincoln Models Assembled in the United States
Vehicles from Lincoln assembled domestically are also included under the same tax framework. Eligible models include:
Manufacturing Footprint and Workforce Impact
Approximately 80% of the vehicles Ford sells in the United States are assembled domestically, including the entirety of its F-Series truck lineup. Ford assembles more vehicles than any other original equipment manufacturer in the country and employs the largest number of hourly autoworkers in the U.S., reinforcing the policy’s alignment with domestic manufacturing priorities.
How the Ford Vehicle Loan Interest Tax Credit 2026 Works
Under the new framework, buyers may deduct up to USD 10,000 per year in interest paid on vehicle loans. Unlike the electric vehicle tax credits that expired in the previous year, this benefit does not differentiate between powertrains, extending eligibility to gasoline, hybrid, and electric models alike.
To qualify, the vehicle’s final assembly in the United States must be verified using the Vehicle Identification Number. VIN confirmation serves as the sole validation method, ensuring that only domestically assembled vehicles receive the interest deduction.
Ford U.S.-Assembled Vehicles Eligible for the Tax Credit
Ford has confirmed that a wide range of its vehicles assembled in the U.S. qualify for the new interest deduction. Eligible models include:
- Trucks: F-150, Ranger, Super Duty
- SUVs: Bronco, Escape, Expedition, Explorer
- Vans: Transit, E-Transit, Econoline
- Cars: Mustang
Lincoln Models Assembled in the United States
Vehicles from Lincoln assembled domestically are also included under the same tax framework. Eligible models include:
- SUVs: Aviator, Corsair, Navigator
Manufacturing Footprint and Workforce Impact
Approximately 80% of the vehicles Ford sells in the United States are assembled domestically, including the entirety of its F-Series truck lineup. Ford assembles more vehicles than any other original equipment manufacturer in the country and employs the largest number of hourly autoworkers in the U.S., reinforcing the policy’s alignment with domestic manufacturing priorities.
Company Press Release
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