Big Beautiful Bill
Most Cadillac models may be eligible for a federal tax deduction of up to $10,000 in annual interest on qualifying auto loans.
What is the One Big Beautiful Bill?
The newly enacted One Big Beautiful Bill is a federal law intended to encourage the purchase of qualifying vehicles assembled1 in the United States.
For eligible Cadillac buyers, this may provide the opportunity to deduct a portion of interest paid on qualifying retail financing, subject to individual tax circumstances and program rules.
Learn how this program may align with your next Cadillac purchase.
How the One Big Beautiful Bill can benefit Cadillac buyers
This legislation introduces a potential tax deduction for eligible buyers who finance qualifying Cadillac models assembled in the U.S. It adds possible financial advantages while preserving the luxury, technology, and performance that define the Cadillac brand.
Eligibility can vary based on income level, vehicle selection, and loan structure. A qualified tax professional can help you understand how this program may apply to your specific situation.
Key details at a glance
Use the expandable sections to review how the program works, what types of loans and vehicles it may apply to, and who may qualify.
This summary is provided for general information only and should not be used as a substitute for professional tax or legal advice.
What is the program?
- Offers a potential federal income tax deduction for up to $10,000 per year in interest paid on loans used to purchase qualifying U.S.-assembled vehicles.
- May apply whether you itemize deductions or claim the standard deduction, subject to current federal tax rules and limitations.
- This overview is for informational purposes only. Customers should consult a tax, legal, or accounting professional for personalized advice.
What loan types are eligible?
The program is designed for individual retail financing.
Commercial purchases, fleet transactions, and lease agreements are not eligible under this provision.
Do I have to buy by a certain date?
- The potential deduction applies only to interest paid during tax years 2025–2028.
- Financing must be new debt originated after 12/31/2024. Refinancing existing loans originated on or before that date does not qualify.
What vehicles are eligible?
The program focuses on new qualifying Cadillac vehicles assembled in the United States, in line with the requirements of the One Big Beautiful Bill.
- Available for eligible individual buyers on new qualifying Cadillac vehicles assembled in the U.S., subject to all applicable rules.
- Excludes OPTIQ models.
- Vehicles are assembled with U.S. and globally sourced parts.2
Who qualifies?
Eligibility is based on income and other criteria defined by federal law. Actual benefit amounts will vary by taxpayer.
The benefit begins to phase out for customers with modified adjusted gross income above $100,000 (single) or $200,000 (married filing jointly). Additional restrictions and limitations may apply.
Ready to explore eligible Cadillac models?
Our team can help you identify U.S.-assembled Cadillac options and review available financing structures that may align with this program.
Disclaimers
- Excludes OPTIQ models. Available for eligible individual buyers on new qualifying vehicles assembled in the US. Only applies to interest paid in tax years 2025–2028 on new debt contracted after 12/31/2024. Tax deduction is subject to change and applicable filing requirements. Income restrictions and additional restrictions and limitations may apply. Consult a qualified tax, legal, or accounting professional if you have questions. This information does not constitute tax, accounting, or legal advice. Deduction is subject to federal laws, regulations, and manufacturing constraints.
- Assembled with U.S. and globally sourced parts.
