Credit Card Services

NO INTEREST IF PAID IN FULL WITHIN 6 MONTHS¹ on storewide purchases of $299 or more made on The Home Depot Consumer Credit Card. Interest will be charged to your account from the purchase date if the purchase balance (including premiums for optional credit insurance) is not paid in full within 6 months.

¹With credit approval for qualifying purchases made on The Home Depot Consumer Credit Card. APR: 17.99- 29.99%. Minimum interest charge: $2. See card agreement for details including APR applicable to you. Offer is valid for consumer accounts in good standing; see store for details.

‡NO INTEREST IF PAID IN FULL WITHIN 12 MONTHS on Installed Window Purchases of $6,000 or More. Interest will be charged to your account from the purchase date if the purchase balance (including premiums for optional credit insurance) is not paid in full within 12 months. Valid 1/29/26-1/27/27.

‡With credit approval for qualifying purchases made on The Home Depot Consumer Credit Card. APR 17.99%–29.99%. Minimum interest charge: $2. See card agreement for details including APR applicable to you. Offer valid for consumer accounts in good standing; see store for details.

†††NO INTEREST IF PAID IN FULL WITHIN 12 MONTHS on Installed HVAC Purchases of $299 or more made on The Home Depot Consumer Credit Card. Interest will be charged to your account from the purchase date if the purchase balance (including premiums for optional credit insurance) is not paid in full within 12 months. Valid 1/29/26-1/27/27.

†††With credit approval for qualifying purchases made on The Home Depot Consumer Credit Card. APR: 17.99- 29.99%. Minimum interest charge: $2. See card agreement for details including APR applicable to you. Offer is valid for consumer accounts in good standing; see store for details.

¥No Interest if Paid in Full Within Promotional Period: 18 months¥ financing on special order and installed blinds, shades, and shutters purchases of $999 up to $1,998, 24 months¥ financing on special order and installed blinds, shades, and shutters purchases of $1,999 or more. Interest will be charged to your account from the purchase date if the purchase balance (including premiums for optional credit insurance) is not paid in full within the promotional period. Valid 1/29/26-1/27/27.

¥With credit approval for qualifying purchases made on The Home Depot Consumer Credit Card. APR 17.99%–29.99%. Minimum interest charge: $2. See card agreement for details including APR applicable to you. Offer valid for consumer accounts in good standing; see store for details.

¥¥No Interest if Paid in Full Within Promotional Period: 18 months¥¥ financing on installed custom closet purchases of $3,999 up to $4,998, 24 months¥¥ financing on installed custom closet purchases of $4,999 or more. Interest will be charged to your account from the purchase date if the purchase balance (including premiums for optional credit insurance) is not paid in full within the promotional period. Valid 1/29/26-1/27/27.

¥¥With credit approval for qualifying purchases made on The Home Depot Consumer Credit Card. APR 17.99%–29.99%. Minimum interest charge: $2. See card agreement for details including APR applicable to you. Offer valid for consumer accounts in good standing; see store for details.

††NO INTEREST IF PAID IN FULL WITHIN 12 MONTHS†† on Installed Water Treatment Purchases of $299 or more made on The Home Depot Consumer Credit Card. Interest will be charged to your account from the purchase date if the purchase balance (including premiums for optional credit insurance) is not paid in full within 12 months. Valid 1/29/26-1/27/27.

††With credit approval for qualifying purchases made on The Home Depot Consumer Credit Card. APR: 17.99- 29.99%. Minimum interest charge: $2. See card agreement for details including APR applicable to you. Offer is valid for consumer accounts in good standing; see store for details.

Save Up to $100 Today* on your qualifying purchase when you open a new card. Valid now through 7/29/2026. $25 off* your purchase of $25 up to $299 OR $50 off* your purchase of $300 up to $999 OR $100 off* your purchase of $1000 or more. *Offer is for new accounts, is subject to credit approval and valid now through 7/29/2026. This offer is redeemable for either a $25 discount on a single-receipt purchase of $25 up to $299, a $50 discount on a single-receipt purchase of $300 up to $999 or a $100 discount on a single-receipt purchase of $1,000 or more, excluding tax and delivery fees, within 30 days of your account open date at The Home Depot® retail stores or homedepot.com when made with your The Home Depot Consumer Credit Card, The Home Depot Home Improver Card, the Pro Xtra Credit Card, or The Home Depot Commercial Account. Coupon is on a single transaction and expires upon use. Valid in the U.S., U.S.V.I., Puerto Rico and Guam. Offer does not apply to prior purchases, The Home Depot Gift Cards or Certificates, third party gift cards, installation products or services purchased in home, Tool Rental or to Traeger®, Weber®, Bona®, Simplehuman®, Dacor®, Viking®, Fisher & Paykel®, Sharp InsightTM, Delonghi®, Buckhaven, Lynx®, AlfrescoTM, OCI, Marvel®, Bertazzoni, Aga, Vent-A-Hood®, Samsung Chef Collection, Bosch Benchmark® Series, Liebherr, Zephyr, Miele, Signature Kitchen Suite, Jenn-Air®, Thermador®, Jeld-Wen® Door Systems, Monogram products and trade styles. Additional exclusions may apply which will be reflected at checkout. May not be combined with other discounts; ask an Associate for details.

***A minimum purchase of $50 is required. Purchase window ends 6 months after first purchase. Availability and terms may vary based on purchase price, product, state of residence, and time of purchase. Excludes the purchase of gift cards online. Down payment may be required. Subject to approval of credit application. A rate of 9.99% APR, results in, for example 120 monthly payments of $13.21, per $1,000.00 borrowed. Loan proceeds are accessed via mobile wallet. Bread Pay® loans made by Comenity Capital Bank, a Bread Financial® company

Earn Perks 4X Faster^ when you use your Pro Xtra Credit Card.

Every $1 spent on Qualifying Purchases with your card counts as $4 for purposes of earning Perks (up to $1,000,000 spent in Qualifying Purchases within a Program Period). You may earn an initial Perk if your Qualifying Purchases exceed the first minimum threshold of $2,500 and additional Perks if you meet higher thresholds.

^4X faster does not apply to The Home Depot Commercial Account. 4X faster applies only to the Perks benefit of the Pro Xtra Credit Card. See The Home Depot Pro Xtra Program Rules at www.homedepot.com/c/ProXtra_TermsandConditions.

Receive a 2% Early Pay Discount If Invoice Paid Online In 20 Days** or Get 60 Days To Pay

**2% Early Pay Discount will be applied to the purchase subtotal (excluding sales tax) on invoices paid online within 20 days of the transaction date.

ªOffer applicable to lease product only. You can take advantage of the early purchase option by using the information at www.koalafi.com/ thd-contact-us to set up additional payments within the promotional period (often 90 days, though this may vary based on the store & state). If you pay off within this period, then you will only owe the initial payment, purchase price, taxes, & associated fees as outlined in your lease agreement. You must make all payments on time to remain eligible for the promotional period. Lease holders in California have a minimum 92-day early purchase option. For qualifying customers only. See lease agreement for details.

ᵇSubmitting an application will result in a soft inquiry on Experian and will not affect your FICO score. Upon signing your lease contract, a hard inquiry will be placed on Clarity and DataX, which are non-traditional consumer reporting agencies. Neither inquiry affects your FICO score.

ᶜEligibility for select installations and services varies by state. Limitations apply.

ᵈYou may have an opportunity to build credit by making on-time payments over the entire agreement term. Koalafi reports positive and negative payment history to multiple credit bureaus.

Consumer Credit Card 1-800-677-0232 Project Loan 1-877-476-3860 Pro Xtra Credit Card 1-800-685-6691 Commercial Account 1-800-395-7363 For TTY: Use 711