The Home Depot® Financing: Ways to Pay for Your Next Purchase

Home improvements and maintenance can be pricey, but The Home Depot® offers several financing options that can make paying for these purchases more manageable.

Let’s look at The Home Depot® financing options, including the consumer credit card and project loans.

The Home Depot® Consumer Credit Card financing options

The Home Depot® Consumer Credit Card comes with several financing options, including:

  • Special financing for purchases of $299 or more. Subject to credit approval. Terms and conditions apply.
  • Access to other financing options during special promotions throughout the year.

While not strictly a financing option, this card also offers flexible options for monthly payments. You can choose to pay your bill on any available due date in the beginning, middle or end of the month, which can give you a little more time to pay your bill.

The Home Depot® Project Loan

The Home Depot® also offers Project Loans as a financing option.

If you’re planning a large home improvement project, such as remodeling a bathroom or kitchen or installing a new central heating and air conditioning system, then this financing option might be a good fit for you. With The Home Depot® project loan, you can apply for up to $55,000 as a line of credit. You have 6 months to purchase what you need for your project either in-store or online. The Home Depot® project loan also offers benefits such as:

  • No annual fees
  • Fixed monthly payment options
  • Flexibility to pay off the loan at any time

Disclosure: This article is for educational purposes. It is not intended to provide legal, investment, or financial advice and is not a substitute for professional advice. It does not indicate the availability of any Citi® product or service. For advice about your specific circumstances, you should consult a qualified professional.

Additional Resources

  • Utilize these resources to help you assess your current finances & plan for the future.

  • Learn how FICO® Scores are determined, why they matter and more.

  • Review financial terms & definitions to help you better understand credit & finances.