🦅 Ride American. Deduct American!
Harley-Davidson Riders Can Now Score a $10,000 Federal Tax Deduction (Seriously.)
If you’ve been thinking about throwing a leg over a new Harley—2025 might just be the year to do it. For once, the federal government passed something that benefits riders like us. Shocking, we know.
Thanks to a brand-new federal law, you may now deduct up to $10,000 per year in loan interest when you finance a new U.S.-assembled motorcycle. Yes, you read that right. Buy a new Harley. Finance it. And deduct the interest on your taxes.
🏍️ What’s the Deal?
Signed into law on July 4, 2025, the “One Big Beautiful Bill” (yes, that’s the name) includes a new federal tax deduction specifically aimed at supporting American-made vehicle buyers.
Here’s what you need to know:
💵 Deduct up to $10,000/year in interest paid on a loan used to buy a new motorcycle.
🏁 The motorcycle must be assembled in the U.S.
📆 Applies to motorcycles purchased and financed between 2025 and 2028.
✅ Works even if you take the standard deduction (no need to itemize).
🚫 It does not apply to used bikes or foreign-assembled motorcycles.
Good news? Harley-Davidson checks all those boxes. Our bikes are engineered and assembled in the U.S.—meaning you qualify if you finance your new ride with us in 2025.
💼 Who’s Eligible?
Most riders will qualify—but there are income limits:
If you’re single, the deduction starts to phase out above $100,000 in Modified Adjusted Gross Income (MAGI) and disappears entirely at $150,000.
If you’re married filing jointly, the phase-out starts at $200,000 and ends at $250,000.
If you’re under those limits, you’re in good shape. (And even if you’re close—well, time to buy before you get that raise.)
🧾 What’s the IRS Code?
For the number crunchers out there: the deduction was added to IRS Code § 163(h)(4) through H.R. 3450, the tax bill passed in July 2025.
While the IRS hasn’t published its full guidance yet (surprise!), you can find credible breakdowns here:
AP News – Full Breakdown
Kiplinger Tax Editor
Congressional Bill Text – H.R. 3450
🔥 What Does This Mean for You?
Let’s break it down:
You can ride a brand-new, American-made Harley-Davidson, enjoy all the power, chrome, and freedom you want—and legally tell the IRS to take a hike (at least a little). All while possibly saving thousands over the life of your loan.
This is a first-of-its-kind tax break for riders, and it’s not expected to last forever. It ends in 2028—and we all know how fast tax rules can change.
🛑 A Quick Disclaimer (Because Lawyers)
This post is for informational purposes only and should not be considered legal or tax advice. Be sure to consult with your tax professional or financial advisor to see how this applies to your individual situation.
🎯 Final Thoughts from Wilkins Harley-Davidson
We’ve been riding with our community since 1947. This new federal tax deduction is one of the biggest perks we’ve seen for riders in decades. So if you’ve been waiting for a sign—this is it.
🔥 Come ride. Save on taxes. And keep your hard-earned cash in your pocket.
📍 Visit us at Wilkins Harley-Davidson | Exit 6 off I-89 in Barre, VT
📞 Call 802-476-6104
🌐 Check out our inventory
