Home Depot Financing

Find the card that works for you

for your home

for your business

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Consumer
Credit Card

Perfect for everyday projects 
and unplanned purchases.
Get special financing.

Project
Loan

Best for larger home projects. 
Get 84 months to pay.

Revolving
Charge Card

Convenient for making low 
monthly payments.

Commercial Account

Manage your business 
with larger credit lines 
and detailed information.

     Make Home Improvements

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Why This Card

Extend your budget for making home repairs, updates and improvements

Why This Card

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

6 Months Financing* on Purchases

Of $299 or more. Subject to credit approval.
Terms and conditions apply.

Loans Up to $55K

With 6 months to purchase everything for your project

Up To 24-Month Financing* During Special Promotions

On exclusive credit offers throughout the year

84 Months to Pay Off Purchases

With fixed monthly rates and the flexibility to pay off purchases at any time

APR 17.99% - 26.99%

Based on credit worthiness

7.99% Fixed Interest Rate

For the life of the loan

1 Year Hassle-Free Returns††

That's 4X longer to make returns, just for being a cardmember

Learn More About Card Benefits

     Need help with the Consumer Card?

    1-866-875-5488

Learn More About Card Benefits

     Need help with the Project Loan Card?

    1-877-476-3860

     Build Your Business

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Payment Flexibility

Make low monthly payments or pay in full each month

Pay in Full Monthly

Payment due in full each month

Authorized User Cards

Issue cards to employees entrusted to make purchases on your account

Buyer ID Cards

Allows authorized users to make purchases and gives you detailed info and 
control of employee spending

Pay by Invoice

Optimize cash flow with the flexibility to itemize and pay invoices


Perks you’ll enjoy with both business cards

ENROLL YOUR ACCOUNT TO RECEIVE

YOU WILL AUTOMATICALLY RECEIVE

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FUEL DISCOUNTS

Fill up on savings. See homedepot.com/cardbenefits† for participating stations.

Itemized Statements

Easy-to-read, itemized billing statements organized by SKU

Online Account Management

View, manage and pay your account online, anywhere


Pro Xtra Membership

Automatic access to our Pro savings & benefits program

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60 DAYS TO PAY

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


Enroll Now

Easy Purchase Tracking

Track purchases by PO number, job name or job number  


1 Year to Make Returns††

That's 4X longer to make returns, just for being a cardmember.  


No Annual Fees

Learn More About Card Benefits

     Need help with the Revolving Charge Card?

    1-866-875-5489

Learn More About Card Benefits

     Need help with the Commercial Account? 

    1-866-875-5490

*With credit approval for qualifying purchases made on The Home Depot or EXPO Design Center Consumer Credit Card, 17.99% - 26.99% APR. Minimum interest ...   More