Up to a $10,000 Tax Deduction with the One Big Beautiful Bill (OBBB)

The One Big Beautiful Bill (OBBB) Might Give You a Tax Deduction of Up to $10,000. Here's What You Need to Know.

If you've been waiting for a good reason to finally upgrade your ride – maybe something with more comfort, better tech, all the bells and whistles – you're going to love this.

The One Big Beautiful Bill, signed into law earlier this month, is a brand-new way to save money on your car loan – if you know how to take advantage of it.

Let's walk through what the bill does for you, why United States assembly matters, how to check your VIN number like a pro, which Nissan vehicles qualify, and how Coulter Nissan in Surprise can help with all of it.

What Does the One Big Beautiful Bill Do?

Unlike previous bills that focused on electric vehicle tax credits, the OBBB shifts the spotlight to everyday car buyers – you know, people who actually need to finance their next car. U.S. News & World Report says more than 80% of new vehicle transactions are loans or leases. So, this bill has the potential to help a lot of people.

Here's what the new federal tax break offers:

• You can now deduct the interest you pay on your car loan – up to $10,000 per year
• Applies to new, U.S.-assembled vehicles purchased between 2025 and 2028
• You don't have to itemize to claim it
• Income phase-outs start at $100,000 (single) and $200,000 (joint)
• Plus, this deduction is taken before calculating Adjusted Gross Income, so it can lower your state income tax, too (Be sure to consult a tax professional when you're ready to file.)

The OBBB was designed to help working folks like you keep more of your hard-earned money while both boosting U.S. manufacturing and encouraging and rewarding people for buying American. That's why where the vehicle was assembled matters.

This is a big deal. It's the first time in years that everyday car buyers – not just businesses – can deduct interest on personal-use auto loans.

So if you're someone who needs to finance a new car (and let's be honest, that's most of us), you could be looking at serious savings come tax time.

Arizona drivers are seeing higher financing rates than a few years ago. In the first quarter of 2025, the average interest rate on a car loan was in the neighborhood of 6.73%, according to Experian. That interest adds up. If you're paying 6% interest on a $30,000 loan, that's roughly $1,500–$2,000 in interest your first year. With the OBBB, that interest could be deductible, which means you lower your tax bill and potentially increase your tax refund. This tax break gives you a way to save while still financing the car you want.

How am I Supposed to Know Where a Car Was Made?

The key to taking advantage of the new tax break is where the car was assembled, which might seem like a mystery.

So, how can you tell where the car you want came off the line? It's easier than you think. Just look at the Vehicle Identification Number (VIN). If it starts with 1, 4, or 5, the car was assembled here in the U.S.

You'll find a vehicle's VIN in a couple of places.

1. Look on the dashboard at the base of the windshield on the driver's side. You can usually see it through the glass.
2. Check inside the driver's door. It's usually on a sticker or plate on the doorjamb right by where the door latches.

What Nissan Vehicles Qualify?

Nissan puts its money where its mouth is when it comes to U.S. manufacturing. It has assembly plants in Smyrna, Tennessee, and Canton, Mississippi, and plans to max out its U.S. production capacity.

Some of Nissan's most-popular vehicles are assembled at those factories.

The Smyrna plant assembles the Rogue, Murano, Pathfinder, and Leaf.

Fun fact: Nissan hit a milestone last month – 700,000 Murano crossovers assembled in the U.S. The Murano is assembled exclusively in the U.S. The Smyrna plant builds more than 6,700 Muranos each month.

The Canton facility puts out the Altima and Frontier. The Titan and Titan XD were also made there.

Nissan also has an engine plant in Decherd, Tennessee, that produces 1.4 million engines per year.

Related: 2025 Nissan Model List: The Ultimate Guide for Arizona Drivers

4 Reasons to Buy From Coulter Nissan in Surprise

This isn't just about the car. It's about working with a team who knows how to maximize the bill's benefits for you.

1. They stock most of the U.S.-assembled Nissan models eligible under the bill.
2. Their finance team knows the bill inside out and connects you with qualified lenders.
3. They'll help you track your VIN and loan docs – essential for claiming the deduction.
4. You'll get friendly, expert support – no stress, no jargon, just clear guidance. Coulter specializes in giving customers a pressure-free, honest experience. They've been doing this for decades, and it shows.

Now is the Time to Buy the Nissan You Want

We get it. Buying a car in 2025 can feel like a high-stakes game of rates and rebates. But the One Big Beautiful Bill gives everyday drivers a real, practical financial break.

And when you team up with the pros at Coulter Nissan in Surprise, you're not just buying a car. You're making a smart financial decision for your future.

So, go ahead. Get the ride you've been eyeing. Let that tax deduction work for you. And take that road trip with a little extra in your pocket.