Schedule1ADesk / 2026 Auto Loan Interest Deduction VIN Checker (Form 1098-VLI)

2026 Auto Loan Interest Deduction VIN Decoder (Form 1098-VLI)

Under Public Law 119-21 (IRS Schedule 1-A Part IV), you can deduct up to $10,000 per year in personal auto loan interest only if the vehicle is new, has a GVWR under 14,000 lbs, and underwent final assembly in the United States. Enter any 17-character VIN below to verify plant location via the federal NHTSA vPIC database and generate a Form 1098-VLI Audit Certificate PDF.

Load Sample VIN:
1. Vehicle Identification Number (VIN) & NHTSA Plant Lookup
1st digit 1, 4, 5, or 7 indicates U.S. final assembly
VIN must be 17 characters (excluding letters I, O, and Q).
Used vehicles and leases do not qualify
2. Form 1098-VLI Loan Interest & MAGI Phase-Out Calculator
Box 1 on Lender Form 1098-VLI
Phase-out starts $100k Single / $200k MFJ
$200 reduction per $1,000 over threshold