Credit Card Services

Make EveryDay Home Improvements

For questions about your
Consumer Credit Card account:


Consumer Credit Card


Available Now

• 24 months financing on purchases of $4,000 or more*
• 12 months financing on purchases of $1000 up to $3,999*
• 6 months financing on purchases of $250 up to $999*


See if you pre-qualify
without impacting your credit score.

Check Now

*With credit approval for qualifying purchases made on The Home Depot Consumer Credit Card. Not available on The Home Depot Home Improver Card. Terms and conditions apply. Only available in select stores. Credit offer subject to change. Ask an Associate for details.

Tackle Big Projects

For questions about your
Project Loan Card account:


Project Loan


7.99% fixed APR

• Credit lines of up to $55K 
• 6 month buying window to purchase products 
• 84 months to pay off
• No annual fees


Remodel a kitchen or bath, add on a room, replace your roof, or tackle any big improvement project with a loan of up to $55k at a fixed rate of 7.99% APR and 84 months to pay

Consumer Credit Card


Why This Card:

Extend your budget for making home repairs, updates and improvements.

6 Months Financing* 
on purchases of $299 or more. 

Up to 24 Months Financing*
during special promotions. 

1-Year Hassle-Free Returns‡
That's 4X longer to make returns, just for being a cardmember.†See The Home Depot returns policy for details.

Zero Liability On Unauthorized Charges
Shop with confidence.

Project Loan


Why This Card:

Ideal for kitchen and bath remodels, room additions, roof replacement and other large projects.

Loans Up to $55,000
Purchase everything for your project with 6 months to pay.

84 Months to Pay Off Purchases
Fixed monthly rates with the flexibility to pay off at any time.

7.99% Fixed Interest Rate
Extended over the life of the loan.

No Annual Fees


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take your operations to the next level


Equip yourself with credit options to maximize your purchasing power and expand your business.

See Card Benefits

Apply Now Pay & Manage Card

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Apply Now Pay & Manage Card

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With your commercial card, you get:

Itemized Statements
Easy-to-read, itemized billing statements organized by product number

Easy Purchase Tracking
Track purchases by PO number, job name, or job number

Online Account Management
View, manage and pay your account online, from anywhere

1 Year to Make Returns‡
4X longer to make returns, just for being a cardmember

Pro Xtra Membership
Automatic enrollment in our pro savings & benefits program

Enroll your account for additional perks:

Home Depot Commercial Account Fuel Rewards

Fuel Savings
See for participating stations 

Home Depot Commercial Account Interest Payment

60 Days 
With no interest on every purchase. 2X longer to pay lets you optimize your cash flow. Minimum monthly payments required for Commercial Revolving Charge.

Get Enrolled

Commercial Revolving Charge


Why This Card:

Payment Flexibility 
Make low monthly payments or pay in full each month

Authorized User Cards 
Issue cards to employees entrusted to make purchases on your account

Commercial Account


Why This Card:

Pay in Full Monthly 
Payment due in full each month

Buyer ID Cards 
Authorize users to make purchases with spending limits and get detailed purchase info 

Pay by Invoice 
Optimize cash flow with the flexibility to itemize and pay invoices

The Home Depot Commercial and Consumer Credit Card Services

For consumers and pros alike, Home Depot offers convenient, affordable, credit card options to extend their purchasing power as well as manage and pay their account.  Our Home Depot Consumer Credit card provides you with special financing on purchases of $299 or more*, and up to 24-month financing* during special promotions. It’s perfect for everyday needs like appliances, lighting and fans, paint, tools, lawn and garden maintenance products, and an endless variety of home improvement projects. You can also take advantage of exclusive, Home Depot Consumer Credit Card offers, just for being a cardholder. 

If you’re tackling a larger renovation project, like a bath or kitchen makeover, you can get a Home Depot Project Loan with a line of credit of up to $55,000, with up to 84 months to pay it off, and no annual fees.  

And pros, you can maximize your spend and manage your business more effectively with Home Depot Commercial Accounts tailored to your needs. Our Revolving Charge card offers you the flexibility to make low monthly payments or payments in full each month. And, you can run multiple job site more efficiently with the ability to issue authorized user cards to trusted employees. 

Or, choose The Home Depot Commercial Account Card. You pay the balance in full each month, with the ability to itemize and pay by invoice, and you can issue buyer ID cards with set spending limits and detailed purchase information to key employees.  Whether it’s for home or business, The Home Depot finance and card services team has you covered with a store card or Home Depot loan to help you get the job done.