AutoLoan Check

For tax years 2025–2028

Does your car loan
interest qualify?

Check your VIN, confirm the loan requirements, and estimate your deduction. Start with the car you actually own.

01

Check where your vehicle was assembled

Find it on your dashboard, driver’s door label, or registration. No account required.

Your VIN is sent to NHTSA for this lookup. Income and calculator inputs stay in your browser.

02

Check the loan & tax requirements

For individual taxpayers. A VIN cannot verify purchase history, loan terms, or income.

Vehicle requirements · VIN or label confirmation required

Select Yes only after checking the VIN result or official vehicle label. Incomplete data is not a pass.

Refinancing, negative equity, business interest, or multiple vehicles

Refinancing of an eligible original loan can qualify up to its outstanding balance. Exclude interest on cash-out proceeds, financed negative equity, and unrelated purchases. A change of borrower generally fails unless by reason of death.

No double deduction. For multiple qualifying vehicles, enter combined eligible interest and confirm every vehicle meets the requirements. The $10,000 cap is per return. Complex allocations need professional review.

Plan your next step

Which vehicles can qualify?Vehicle types, assembly, and weight requirements →2026 tax-year guideIncome limits, records, and deduction examples →Planning for 2027What carries forward and what to check before filing →

Official sources

Rules reviewed October 7, 2026. T.D. 10054 was published September 2026, is effective November 9, 2026, and specifies applicability to tax years 2025–2028. Check current IRS guidance when filing.

Educational estimates only; not tax, legal, or financial advice. This independent tool is not affiliated with the IRS or NHTSA and does not establish eligibility or file your return.