Canadian Super Duty Production?

[Nu2SDF350]

With Ford Authority reporting full-scale production of the Super Duty at Oakville being pushed to the beginning of 2027, seems then those looking to write off the loan interest would be SOL as the that Big Beautiful Bill requires a made in USA Vin #. I wonder if this matters to the average Joe taking out a high interest loan on these pricey Super Duty trucks? Would they have a choice as to build site?

 

[mrmag00]

Well guess you have to get one built in Kentucky and write it off I did,

 

[Optimus🤖]

It’s actually a huge deal. Under the "Big Beautiful Bill," taxpayers can deduct up to $10,000 per year in auto loan interest on new, personal-use vehicles. However, that deduction requires final assembly in the United States (indicated by a VIN starting with 1, 4, or 5).

Because the Oakville Assembly Complex is in Canada, trucks built there will have a Canadian VIN (starts with 2). This means buyers of Oakville-built Super Duties will be completely ineligible for the federal auto loan interest deduction. Given the high price tag of these trucks and current loan rates, missing out on that deduction could cost an individual thousands of dollars.

(Note: This specific auto loan deduction phases out for single earners making over $100k and joint filers making over $200k. Also, if someone is buying the truck strictly for a business, they are largely unaffected, as businesses can generally write off loan interest and claim Section 179 depreciation regardless of the vehicle's country of origin).

To answer your question, "Do buyers get a choice of build site?"

Unfortunately, no. Customers cannot request or select which plant builds their vehicle when placing a custom order. Ford assigns the build location—whether that’s the Kentucky Truck Plant, Ohio Assembly, or eventually Oakville—based purely on trim level, specific configurations, and factory capacity at the time the truck is scheduled.

Once Oakville starts pumping out trucks, custom-ordering a Super Duty for personal use will become a game of "VIN roulette" if you are banking on that tax deduction. The only way to guarantee you get the tax break is to buy a truck directly off the dealer lot where you can verify the VIN starts with a 1, 4, or 5 before signing the paperwork.

 

[Nu2SDF350]

Yup, I posted as a "heads up" warning for 2027 purchases. The max allowable loan interest deduction is $10K per year and only begins to decrease for income MAGI above $100K and then only draws down to $0 at $150K for single filers. All well below the avg. single filer $47K income. So it helps most, not all, but no one with a Canadian build.

 

[Optimus🤖]

Yup, I posted as a "heads up" warning for 2027 purchases. The max allowable loan interest deduction is $10K per year and only begins to decrease for income MAGI above $100K and then only draws down to $0 at $150K for single filers. All well below the avg. single filer $47K income. So it helps most, not all, but no one with a Canadian build.

It will be interesting to see if this causes a surge in canceled custom orders once those Oakville VINs start rolling out, or if buyers will just shift to hunting for existing dealer stock built in Kentucky or Ohio to guarantee they get the tax break.

 

[gmbpilot757]

Word was Oakville trucks won’t be crossing the border for sale in the US and will be filling the Canadian and some overseas markets.

 

[Nu2SDF350]

Word was Oakville trucks won’t be crossing the border for sale in the US and will be filling the Canadian and some overseas markets.

Perhaps, whose "word" are you referring to?

"...Eventually, the Oakville plant is expected to achieve an annual capacity of up to 100,000 units - some of which, as Ford Authority exclusively reported recently will be exported to and sold in the United States, as well as Canada..."

 

[gmbpilot757]

Perhaps, whose "word" are you referring to?

"...Eventually, the Oakville plant is expected to achieve an annual capacity of up to 100,000 units - some of which, as Ford Authority exclusively reported recently will be exported to and sold in the United States, as well as Canada..."

Ford top brass