{"post":{"id":239,"title":"New EV tax credit rules are all over the news — worth timing a purchase around?","body":"Dealer keeps telling me to 'buy before the credit changes.' I don't trust a word out of his mouth. Car: EV SUV around $45k, buying within 3 months either way. Is the new credit real money or is it one of those things where the car I want doesn't qualify and the MSRP cap kills it? Anyone actually claimed one recently?","community":"Cars","score":1,"answer_count":1,"standing":{"kind":"leading","answer_votes":3,"leading":{"id":120,"name":"The credit has AGI and MSRP caps — do the math first","score":3},"runner_up":null},"author":{"username":"marcusbuilds","verified":true},"voted":false,"vote":0,"created_at":"2026-09-19T13:14:47.530Z","url":"https://settd.com/p/239","thumbnail":null},"comments":[{"id":120,"name":"The credit has AGI and MSRP caps — do the math first","body":"The EV credit isn't a flat discount for everyone — it has adjusted-gross-income caps and vehicle MSRP caps, and the car has to meet battery-sourcing and assembly rules. Pull the VIN on the IRS qualified-vehicle list before you get excited; half the trims dealers push don't qualify. Rough math: $7,500 on a $45k car is ~17% off, but if the model I want misses the battery-content threshold I get $3,750 — and at that point the hybrid version pencils out better. Don't let the headline number drive the decision.","score":3,"rank_score":3,"author":{"username":"priyaq","verified":false},"voted":false,"vote":0,"created_at":"2026-09-19T13:27:21.216Z"}],"pagination":{"limit":50,"offset":0,"has_more":false,"next_offset":null}}