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No Interest if paid in full within 12 months*. On any Appliance in-store or online purchase of $299 or more (including taxes) when you use The Home Depot ® Consumer Credit Card †. Payments required*. No annual fees. † On approved credit. Financing provided by Home Depot Credit Services, a unit of Citi Cards Canada Inc.
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As required, The Home Depot Canada maintains and provides...
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Available Credit Offers. NEW ACCOUNTS ONLY: GET THE CARD, SAVE UP TO $100 TODAY (IN-STORE OFFER)*,**. *,** Important terms and conditions apply. See details below. NO INTEREST IF PAID IN FULL WITHIN 18 MONTHS*. on any single-receipt, installed, in-store or online Furnace, Air Conditioner, Heat Pump or Ductless System purchase of $1,499 or more ...
A Project Budget to Match Your Dreams. Prequalify in under 60 seconds without impacting your credit score. Get approved for up to $50,000*. Pay 0% APR for 6 months while you make your project purchases (minimum payment required). Then pay 13.99% APR for up to 60 months or pay off your balance in full at any time (no pre-payment penalty).
- It offers deferred interest. The Home Depot Consumer Credit Card can help you finance a big home project; in fact, that's its primary selling point. It offers deferred interest on purchases of $299 or more.
- You won't want to carry a balance. Even if you don't take advantage of the deferred interest offer, you'll want to avoid carrying a balance from month to month.
- Cardholders enjoy a longer return period and exclusive offers. Frequent Home Depot shoppers might benefit from the fact that hassle-free returns are offered for one year with the card, which is four times longer than you'd normally get on Home Depot purchases.
- Home Depot offers a separate card for bigger projects. Home Depot also offers the Home Depot Project Loan Card, which allows cardholders to borrow up to $55,000 for big improvement projects.
- About Home Depot and Its Project Loan
- Home Depot Project Loan at A Glance
- How Does A Home Depot Project Loan Work?
- What Can A Home Depot Project Loan Be Used for?
- Who’s Eligible For A Home Depot Project Loan?
- What Are The Costs and Fees of A Home Depot Project Loan?
- How Do You Repay A Project Loan from Home Depot?
- Pros and Cons of A Home Depot Project Loan
- Is Home Depot A Reputable Lender?
- Does Home Depot Have A Customer Service Team?
Home Depot, founded in 1978, has grown into one of the largest home improvement retailers in the United States. It provides do-it-yourselfers and professional contractors with a wide range of home improvement products and services. Home Depot assists prospective borrowers in realizing their home improvement dreams by offering the Project Loan. This...
The following table provides a snapshot of the terms and details of the Home Depot Project Loan. We’ll explore these terms in more detail below, so keep reading.
The Home Depot Project Loan offers a unique borrowing experience tailored to home improvement projects. We’ll explore how each term influences the borrowing process: If you’re approved, your APR is based on your repayment term, with longer terms paying a higher rate. This fixed rate ensures predictable monthly payments, essential for budgeting duri...
The Home Depot Project Loan comes with specific usage restrictions, making it unique compared to general personal loans, which you can often use for almost anything. The loan is only for purchases at Home Depot stores or its website, and for Home Depot Home Services, encompassing products and services for home renovations. These restrictions ensure...
Eligibility for the Home Depot Project Loan is geared toward those embarking on home improvement projects. Home Depot doesn’t disclose certain criteria, but applicants must meet its conditions to be approved. Co-applicants are accepted, which can benefit those looking to strengthen their application. A co-applicant’s credit and financial standing m...
The cost of a Home Depot Project Loan is influenced by its fixed interest rates and the lack of additional fees. Here’s a breakdown of these costs: 1. Interest rates: The APR is based on the repayment term. These fixed rates affect the overall borrowing cost, with a lower APR translating to lower total costs. 2. Rate calculation: Credit history, lo...
Home Depot structured repayment as straightforward as possible, offering flexibility and convenience. 1. Repayment options: Make payments online through Home Depot’s loan management portal, over the phone, or by mailing a check. These options cater to different preferences and needs. 2. Repayment terms: Terms are fixed and consistent for all borrow...
The Project Loan from Home Depot offers several benefits and downsides. The Home Depot Project Loan’s advantages can make it an attractive option for substantial home improvement projects. However, its restrictive use and the lack of a prequalification option are significant limitations. The loan is most suitable for frequent Home Depot customers u...
Consulting customer reviews can help you evaluate financial companies or services, offering a glimpse into the company’s reliability, customer service quality, and product satisfaction. We considered the nature of the reviews and the company’s longstanding accreditation to assess Home Depot’s reputation as a lender. Check out the customer review sc...
Home Depot provides specific customer support for its Project Loan, ensuring borrowers can access assistance throughout their borrowing experience. Here are the ways to contact Home Depot’s customer service for Project Loan inquiries: 1. Email: service@thdloan.com 2. Phone number: 877-476-3860, available Monday through Friday, 8 a.m. – noon Eastern...
- U.S. citizenship required*
- No exclusions disclosed
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NO INTEREST IF PAID IN FULL WITHIN 12 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 12 months. Valid 11/6/24-12/18/24.
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Aug 14, 2024 · The Home Depot Consumer Credit Card * is a store card, meaning it can’t be used outside Home Depot. The card offers six months of special financing on purchases of $299 or more. No interest is ...
