1098 Forms › Form 1098-VLI Due Dates and Filing Deadlines for 2027
At a Glance
Form 1098-VLI Filing Deadlines
Form 1098-VLI (Vehicle Loan Interest Statement) follows the standard 1098-series schedule: borrower statements in January, IRS e-filing by the end of March. Because tax year 2026 is the form's first required filing season, lenders should treat these dates as a new addition to their January and Q1 compliance calendar, not a variation of an existing one.
Key Deadlines for Tax Year 2026
| Requirement | Deadline |
|---|---|
| Furnish statement to borrower | February 1, 2027 (January 31 falls on a Sunday) |
| E-file with IRS through IRIS | March 31, 2027 |
| Extended IRS deadline with Form 8809 | April 30, 2027 |
Note that Form 1098-VLI is IRIS-only: there is no FIRE or Publication 1220 filing path, and filers subject to the 10-return electronic filing mandate must e-file.
Extensions
A 30-day automatic extension of the IRS filing deadline is available by submitting Form 8809 before March 31. The extension applies to the IRS copy only; borrower statements are still due at the start of February.
Penalties for Late Filing
Standard information return penalties apply per form, increasing the longer the filing is late, with separate penalties for late borrower statements. First-year forms get no special grace period, so lenders with large auto loan portfolios should validate borrower TINs and vehicle data well before January. See our overview of information return penalties.
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Frequently Asked Questions About 1098-VLI Deadlines
Borrower copies are due by February 1, 2027 (January 31 falls on a Sunday). Tax year 2026 is the first season the form must be filed at all; for background on the form itself, see what is Form 1098-VLI.
The IRS e-file deadline is March 31, 2027. The form is IRIS-only, with no FIRE or Publication 1220 filing path, so plan for an IRIS XML transmission. Our guide to e-filing Form 1098-VLI online covers the options.
Yes, for the IRS copy only. Submitting Form 8809 before March 31 grants a 30-day automatic extension, moving the IRS e-file deadline to April 30, 2027. The borrower statement deadline cannot be extended with Form 8809.
Standard information return penalties apply per form, increasing the longer the filing is late, with separate penalties for late borrower statements. First-year forms get no special grace period, so validate borrower TINs and vehicle data early using our box-by-box 1098-VLI instructions.
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BoomTax and its affiliates do not provide tax, legal, or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal, or accounting advice. You should consult your own tax, legal, and accounting advisors prior to engaging in any transaction.