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Customers can easily purchase and finance everything they need for the project within 6 months. Select your credit card; the consumer credit card is listed at the top. You can also manage your Home Depot card online — not only can you pay bills, but you can also track your account activity, get exclusive offers and activate account alerts. After you use your card to make purchases, follow these steps to make your payments. Because a home equity loan is backed by your home, you’ll benefit from low, fixed rates and can typically borrow higher amounts.
Home Depot does not accept contactless payments from digital wallet services such as Apple Pay or Google Pay in-store or online, either. You may, however, use PayPal at a Home Depot store payment terminal or when you check out on the website or mobile app. Available repayment periods are also long, giving you plenty of time to pay down your debt. Typically, to make a credit card payment in cash, you’ll need to go to a branch location to make a payment with a teller. Some card issuers will allow you to make cash payments via an ATM. Citibank, for example, has a monthly cap of $3,000 for credit card payments made in cash.
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These offers do not represent all available deposit, investment, loan or credit products. Your interest rate is variable, however, meaning you won’t know how your payments might fluctuate in the future. As with a home equity loan, if you fall behind during repayment, you risk losing your home. A HELOC works much like a credit card, offering you flexibility when you need to make multiple trips to Home Depot or other stores.

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What Payment Methods Does Home Depot Accept?
Up to 24-month financing on qualifying purchases during special promotions. The more you spend, the longer you may have to pay off your purchase. APR17.99%-26.99% variable APR17.99%-26.99% variable RewardsN/A Key featuresNo interest if paid in full within six months on purchases of $299 or more. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within six months. The co-branded Home Depot Consumer Credit Card from Citi is a good option for frequent shoppers who want to take advantage of special financing offers.

You can download the PayPal app and opt for contactless payment, or you can use the cards that Paypal offers. If you do not have a PayPal account, Home Depot accepts, cash, as well as a wide variety of payment options including checks, store credits, gift cards, and more. Home Depot’s branded financing options can only be used to pay for purchases made at Home Depot. Unlike general-use credit cards, store-branded credit cards can typically only be used at the issuing retailer. So of course, you could not use a Home Depot credit card to make a purchase at Lowe’s. A personal loan can be a good option if you know how much money you need to complete your home improvement project and have strong credit.
What can I buy with Home Depot financing?
A Home Depot Commercial Account is another great option for business owners who want to make purchases for their office with little hassle. This service allows users to issue buyer ID cards to key employees with detailed purchase information and set spending limits. If you have a Macy's credit card, you can avoid late fees by making at least the minimum required payment by the due date. If you haven’t yet registered your card, you’ll need to select “Register Your Card” to create an account before you can log in to make your payment.
Because the Store Credit cards are connected to the picture IDs of specific customers, the Store Credit cannot be used by anybody other than the owner of the card. A cashier at a Home Depot store is the only way to check the balance on your Home Depot Store Credit card. Returns of items purchased with Store Credit or without appropriate proof of purchase will not be accepted. When an item is returned to Home Depot without a receipt, the retailer offers Store Credit in lieu of a refund.
Home equity line of credit
Simply visit any Home Depot store and ask for assistance at the customer service desk. There are several other payment methods available for the Home Depot® Credit Card. What’s more, you also get to cash in the rewards from your credit card. Since Home Depot accepts payments via Visa, you can use the following BNPL providers and their virtual card features to shop at Home Depot. Customers also have the option to go for a one-time virtual card from BNPL providers—only accepted for online shopping. Renovating your home can be a fun and rewarding process, but paying for it may come with stress and anxiety.
Users are required to pay the balance in full each month and get the same 1-year return period as the Pro Xtra Credit Account. Home Depot’s Project Loan is intended to be used to finance major home improvements. It functions like a line of credit, with a limit of up to $55,000, and it comes with a branded card that can only be used at Home Depot. Home Depot offers its app in the Apple Store and Google Play Store, just like many other contemporary companies.
However, because your house is collateral, you could lose your property if you fall behind on payments. The store doesn’t accept Apple Pay as a form of payment at physical locations. You can use Pay in 4 to pay for your purchase over time, with no interest or fees.
You’ll also need at least decent credit to qualify for a home equity loan. Project Loans don’t have any prepayment penalties, so you can make additional payments to save on interest, and even pay in full whenever you like. You can use Apple Pay at millions of stores and in apps — with just a touch of your phone or watch. Whatever the reason, shoppers who want to use Apple Pay at Home Depot will need to use another payment method for now.
I agree to receive my billing statements and other legal notices electronically as available. I understand that when I receive an electronic notice it will replace a paper copy. If you choose to receive legal notices and statements electronically and then want a paper notice, call us at the number on the back of your card and we will mail it to you. There has been a new change at Home Depot to prevent customers from selling their store credit online.

WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance. The Home Depot Project Loan is specially designed for those who wish to undertake a large and expensive renovation project, such as a kitchen or bathroom makeover.
There are also other ways in which this credit can be used, such as when the consumer uses their picture ID to redeem it in-store. Keep reading to find out why Home Depot won’t let you cash in your Store Credit, how to check your Store Credit amount and other helpful information. As of 2022, Home Depot customers will no longer be able to use their Store Credit for cash.

Though the store offers a variety of payment options, including cash, credit, and debit, it does not currently accept Apple Pay. Home Depot does not accept Apple Pay as a payment method at this time. However, they do accept other methods of payment such as credit cards, debit cards, and cash.