Financing Options

Convenient and flexible financing options, including no annual fee and no interest.


Consumer Card

Make everyday home improvements with The Home Depot Consumer Credit Card. This card includes:

  • No annual fees
  • Special promotions offered during the year
  • Hassle-free returns within 365 days of purchase

For questions about your Consumer Credit Card view Frequently Asked Questions or call 1-800-747-3787.

‡ Refer to for Terms and Conditions.

Project Loan Card

A project budget to match your dreams. The Project Loan Card includes:

  • No annual fees
  • Credit available for up to $50,000*; no downpayment required
  • 6 months to make all your project purchases
  • Pay off your balance in 60 equal monthly payments or in full at any time (no pre-payment penalty)*
  • 8.99% APR
  • Use it with Home Depot online, in-store and for Home Services

For questions about your Project Loan Card view Frequently Asked Questions or call 1-866-207-3933.

Commercial Credit Cards

Built to power your business

  • Access to exclusive Pro Xtra Loyalty Program benefits when you sign up
  • No annual fee
  • Flexible payment options
  • Easy-to-read, SKU level, itemized billing statements
  • Online account management and purchase tracking

Commercial Revolving Card

Payment Flexibility:

Depending on your needs, you can choose to pay your balance in full each month or make low minimum monthly payments.

Additional Cards for Employees:

Your employees can have their own cards, which they can use to make purchases on your account.

Commercial Account

Pay in Full Monthly:

Your payment is due in full each month.

Cards for each Authorized Buyer:

Allow authorized users to make purchases while you control employee spending with detailed account information.

Pay by Invoice:

Optimize your cash flow with the flexibility to itemize and pay invoices.

For questions about your Commercial Credit Card view Frequently Asked Questions or call 1-800-668-5336.