Ford’s $F ( ▲ 4.8% ) list of vehicles that qualify for the $10,000 auto loan deduction under the One Big Beautiful Bill Act features some of the company’s most popular cars and trucks.
The details: The Ford vehicles eligible for the tax incentive include the F-150 (the reigning best-selling vehicle in the U.S.) as well as cars under the company’s luxury division, Lincoln.
In addition to the F-150, qualifying Ford vehicles include the Ranger, Super Duty (F-250, F-350, and F-450), Bronco, Escape, Expedition, Explorer, Transit, E-Transit, Econoline, and Mustang.
Lincoln vehicles eligible for the auto loan deduction include the Aviator, Corsair, and all-new Navigator.
Why it matters: For Ford and Lincoln dealers, this deduction is a powerful new talking point in a payment-sensitive market. Being able to pair popular, high-demand models with a meaningful tax break can help close deals, defend price, and give your store an edge over brands with fewer qualifying vehicles, especially with shoppers focused on monthly costs.
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Between the lines: Ford is uniquely positioned to take advantage of the loan reduction, with about 80% of the vehicles it sells in America assembled domestically.
The incentive (available for tax years 2025 through 2028)only applies to vehicles purchased for personal use; cars bought for business or commercial purposes are excluded.
Other stipulations include an income-based phaseout, making taxpayers with modified adjusted gross income above $100,000 (or $200,000 for joint filers) ineligible for the deduction.
Bottom line: This is a rare policy win that lines up squarely with Ford’s lineup. Dealers that train sales and F&I teams on who qualifies, bake the deduction into payment conversations, and market eligible Ford and Lincoln models as “tax-advantaged” options will be best positioned to turn this temporary tailwind into real volume and gross.
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