Ford Reveals Which Models Qualify for the $10,000 Auto Loan Tax Break

When Buying American Pays

Ford has released a list of models eligible for the annual $10,000 auto loan interest deduction under the One Big Beautiful Bill Act, which was signed into law in July 2025. The incentive applies exclusively to vehicles assembled in the United States, effectively encouraging consumers to buy domestically built models, while some imported vehicles from brands such as BMW and Mercedes-Benz continue to face heftier tariffs.

According to Ford, the eligible lineup includes the F-150, Ranger, Super Duty (F-250, F-350, and F-450), Bronco, Escape, Expedition, Explorer, Transit, E-Transit, Econoline, and Mustang. Notably absent from the list are the Mustang Mach-E, Maverick, and Bronco Sport, all of which are assembled in Mexico.

Built Here, Not There

The F-150, one of the best-selling vehicles in the United States, is assembled at Ford’s Dearborn Truck Plant in Michigan. The Mustang was previously assembled at Dearborn Assembly Plant before production moved to the Flat Rock Assembly Plant with the launch of the S197 generation. Other Ford models assembled in the Great Lakes State include the Ranger and Bronco, both produced at the Michigan Assembly Plant in Wayne.

Ford also relies on its Kansas City Assembly Plant in Missouri for additional F-150 production, while that same facility builds the Transit and E-Transit vans. Another commercial-oriented model included on the eligibility list, the Econoline, is produced at the Ohio Assembly Plant, which also assembles the Super Duty lineup.

Meanwhile, Ford’s Kentucky Truck Plant is responsible for assembling both the Super Duty and the Expedition. Among the remaining eligible models, the Explorer – including the Police Interceptor Utility variant – is assembled at the Chicago Assembly Plant in Illinois. At the same time, the Escape, whose production recently ended, was built at the Louisville Assembly Plant in Kentucky.

Ford’s luxury division, Lincoln, also has several models that qualify for the annual auto loan interest deduction, including the Aviator, Corsair, and Navigator.

There’s a Catch

The Blue Oval has emphasized that roughly 80 percent of the vehicles it sells in America are assembled domestically, with the F-Series lineup being entirely U.S.-built. Buyers looking to take advantage of the $10,000 deduction should note that the incentive applies only to vehicles purchased for personal use, meaning purchases tied to business or commercial use are excluded.

Additionally, the deduction is available for tax years 2025 through 2028 and is subject to an income-based phaseout, specifically for taxpayers with modified adjusted gross income above $100,000, or $200,000 for joint filers.

Ford Vehicles Assembled in the U.S.

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