About

Car Loan Deduction Checker is a free tool for one narrow question: whether a vehicle meets the final-assembly rule for the US car loan interest deduction created by the 2025 tax law, and roughly what that deduction is worth.

It exists because the rule hinges on where a car was assembled, which is not something most people know about their own vehicle, and the answer is often the opposite of what the badge suggests.

How it works

When you enter a VIN, the page sends it to the National Highway Traffic Safety Administration's public vehicle decoder and reads back the plant location and weight rating. Everything else runs in your browser. We have no server and keep no records of VINs.

Sources

• IRS: Working Families Tax Cuts, "No Tax on Car Loan Interest"
• 26 USC 163(h)(4), the statute text
• NHTSA vPIC VIN decoder
• NHTSA American Automobile Labeling Act (Part 583) reports, for the per-model pages

Not tax advice

This site explains a rule and estimates numbers. It does not know your full tax situation. Confirm with the IRS instructions for Schedule 1-A or a tax professional before you file.

Contact

Corrections and questions: hello@carloandeduction.com. If you spot a plant location that is wrong, please say which model year and where you saw the assembly point.