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Save Up to $10,000 in Interest Deductions When You Finance Your Ride
If you've been dreaming of riding home on a brand-new Harley-Davidson®, 2025 is your year to do it—and potentially save big at tax time. Thanks to a new federal law, qualified riders can now deduct up to $10,000 per year in interest on loans used to finance a new, U.S.-assembled motorcycle.This first-of-its-kind tax benefit is a major win for American motorcycle buyers—and Harley-Davidson motorcycles qualify.
How the Tax Deduction Works
- Deduct up to $10,000 per year in interest paid on motorcycle loans
- Applies to new, U.S.-assembled motorcycles only
- Available to both itemized and standard deduction filers
- Valid for loans originated between January 1, 2025 and December 31, 2028
- Personal-use vehicles only (not applicable to business or commercial entities)
Which Harley-Davidson Models Qualify?
To qualify, the new Harley-Davidson motorcycle must have a Vehicle Identification Number (VIN) that starts with 1HD. Revolution Max models (VINs beginning with MLY) are not eligible. Qualifying model families include:- Softail Models: Street Bob, Low Rider S, Low Rider ST, Breakout, Fat Boy, Heritage Classic
- Touring Models: Road King Special, Street Glide, Street Glide Ultra, Road Glide, CVO Road Glide, CVO Street Glide, CVO Road Glide ST
- Trike Models: Road Glide 3, Freewheeler, Tri Glide Ultra
Income Eligibility
- For individuals, the deduction phases out starting at $100,000 in Modified Adjusted Gross Income (MAGI) and ends at $150,000
- For married couples filing jointly, the phase-out begins at $200,000 and ends at $250,000
Deduction Timeline
- Loan must be originated between January 1, 2025 and December 31, 2028
- Deduction applies to tax years 2025, 2026, 2027, and 2028
How to Claim the Deduction
- Visit Javelina Harley-Davidson in Boerne, TX
- Select a new Harley-Davidson motorcycle with a VIN beginning in 1HD
- Finance your motorcycle through an eligible lender
- Keep records of your loan and interest paid
- Work with a tax professional to claim the deduction on your return
Frequently Asked Questions (FAQ)
What is the new Harley-Davidson motorcycle tax deduction?
The new federal law allows individuals to deduct up to $10,000 per year in interest paid on loans for new, U.S.-assembled motorcycles purchased and financed between 2025 and 2028.
Do I have to itemize to claim the deduction?
No. The deduction is available whether you itemize deductions or take the standard deduction.
Which motorcycles qualify?
Only new motorcycles with a VIN starting with "1HD" qualify. These are U.S.-assembled Harley-Davidson motorcycles. Revolution Max models with a VIN starting with "MLY" do not qualify.
Are used Harley-Davidson motorcycles eligible?
No. The deduction applies only to new motorcycles purchased and financed starting January 1, 2025.
Does this apply to business or commercial purchases?
No. This deduction is available only for motorcycles purchased for personal use.
When can I claim the deduction?
The deduction can be claimed for tax years 2025, 2026, 2027, and 2028.
How do I know how much interest I paid?
Your loan provider should issue a statement or provide a breakdown of your interest paid. Keep this documentation for tax filing.
What are the income limits?
The benefit phases out for individuals above $100,000 and is eliminated at $150,000 MAGI. For married couples filing jointly, the phase-out starts at $200,000 and ends at $250,000.
Does the model year matter?
No. Eligibility is based on the date the loan is originated, not the motorcycle’s model year.
Where can I get more guidance?
We recommend speaking with a certified tax professional or financial advisor to determine how this deduction applies to your specific situation.
Legal Disclaimer
This content is for informational purposes only and does not constitute tax, legal, or financial advice. Please consult a certified tax professional or financial advisor to determine how this tax deduction may apply to your personal situation.
Browse Our New Harley-Davidson Inventory
At Javelina Harley-Davidson , we’ve been family owned and operated for over 30 years. If you’ve been waiting for the right moment to hit the road on a new Harley, this is it. This new federal tax deduction is one of the most significant financial advantages riders have seen in decades.
Explore our lineup of brand-new, U.S. assembled Harley-Davidson motorcycles. From iconic Touring and Softail models to powerful Trikes, now’s the time to ride—and potentially save thousands in the process.
Come ride. Save on taxes. Keep more of your hard-earned cash where it belongs—in your pocket.
Explore our lineup of brand-new, U.S. assembled Harley-Davidson motorcycles.