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Credit Options

APPLY NOW for special financing
CREDIT OPTIONS - Choose the right card for all of your project needs


Consumer Credit Card

Consumer Credit Card

Special financing. Opportunity to receive exclusive Home Depot offers.


Commercial Revolving Charge Card

Commercial Revolving Charge Card

Flexible payment options. No annual fee. Ideal for business owners and PROs.


The Home Depot Project Loan

The Home Depot Project Loan

Fixed 7.99% APR*. 6 months to make all of your project purchases**.

*Interest only payments are required during the first 6 months and are based on a 7.99% Annual Percentage Rate. After the first 6 months, the balance is amortized over 84 months at a 7.99% Annual Percentage Rate.
**Period begins at approval.


Commercial Account

Commercial Credit Account

Job Name itemized billing. No annual fee. Track spending by buyer.


The Home Depot Credit Customer Service Hours (Eastern Time)

Consumer Credit Accounts

US: 1-866-875-5488
Canada: 1-800-747-3787

Monday - Saturday: 6 a.m. - 1 a.m.
Sunday: 7 a.m. - 12 a.m.

Commercial Revolving
Charge Cards

US: 1-866-875-5489
Canada: 1-800-668-5336

Monday - Friday: 7 a.m. - 11 p.m.
Saturday - Sunday: 9 a.m. - 7 p.m.

Commercial Accounts

US: 1-866-875-5490
Canada: 1-800-308-5080

Monday - Friday: 8 a.m. - 9 p.m.
Saturday - Sunday: Closed

The Home Depot Project Loan


Monday - Saturday: 8 a.m. - 12 a.m.
Sunday: 11 a.m. - 10 p.m.

Apply for The Home Depot Credit and Get Started On Your Projects Today!

Whether you’re considering projects for your home or business, The Home Depot has the ideal credit card for you. Home Depot Credit Cards are available for both consumer and commercial use. The Home Depot Consumer Credit Card also offers special financing.

The Home Depot also offers a special type of home improvement loan called The Home Depot Project Loan, perfect for homeowners who are looking to renovate while making fixed low monthly payments over time. Since The Home Depot Project Loan may be used for any product in a store or online, a special order or a Home Depot installation service, this is a home repair loan that offers stress-free flexibility.

If you’re looking to start your project, home repair or are seeking a line of credit for your small business, apply for The Home Depot Credit Card today!