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- While this type of store credit card cannot be used at other retailers, you could get up to 12 months of deferred-interest financing during special promotional periods.
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Financing Plan. 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.
- Products FAQ
As required, The Home Depot Canada maintains and provides...
- Available Credit Offers
36 EQUAL PAYMENTS, 7.99% ANNUAL INTEREST RATE*, NO ANNUAL...
- Project Loan
During the 6-month shopping period, save with 0% APR as you...
- Products FAQ
36 EQUAL PAYMENTS, 7.99% ANNUAL INTEREST RATE*, NO ANNUAL FEES on your next single- receipt, in-store only purchase of $999 or more (including taxes) when you use your Home Depot ® Consumer Credit Card. Monthly Payments Required. Limited time offer.
- The Home Depot Consumer Credit Card
- Home Depot Project Loan
- Home Depot Pro Xtra Credit Card
- Home Depot Commercial Account
- Home Depot Financing Alternatives
If you already shop at Home Depot frequently, the co-branded The Home Depot Consumer Credit Card issued by Citibank could be a good financing option. While this type of store credit card cannot be used at other retailers, you could get up to 12 months of deferred-interest financing during special promotional periods. As of this writing, Home Depot ...
The Home Depot Project Loan can be a great financing option for borrowers with relatively good credit and who need access to higher amounts of cash. If you’re tackling a large home improvementproject and you plan to make the majority of your purchases at Home Depot, the Project Loan could be a very affordable option compared to the Consumer Credit ...
The Home Depot Pro Xtra Credit Card is tailored for professional contractors who frequent Home Depot for their business needs. Linked to Home Depot’s rewards program, Pro Xtra, this credit card offers unique discounts and benefits, including the ability to earn rewards at an accelerated rate. For every dollar spent with the card, users earn $4 towa...
Although a Home Depot Commercial Account is not a credit card, authorized users can use this product to charge purchases on behalf of their business. Commercial Account cardmembers receive a 2% early pay discount for paying online invoices within 20 days; otherwise, companies have 60 days to pay for purchases made with this option.
There’s no shortage of financing options, but the best one for you will depend on your financial situation and purchasing needs. If you have strong credit and prefer the flexibility of shopping at other stores, it could be worth considering alternative financing, such as a zero-interest credit card or personal loan.
- 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.
During the 6-month shopping period, save with 0% APR as you shop online or in-store for everything you need for your project (minimum monthly payment required)*. Step 3: Pay It Off. After 6 months, take up to 60 months at 13.99% APR or pay off your balance at any time. There’s no prepayment penalty.
Mar 22, 2024 · You’ll also receive 0% deferred interest for 6 months on purchases of at least $299. If you pay the purchases off by the end of the intro period, you pay no interest. Otherwise, you owe all the interest you would have paid, at an APR of 29.99%.
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Oct 12, 2023 · Deferred-Interest Financing Poses Risks. Home Depot periodically offers 0% financing “deals” of varying lengths, often with a specific spending threshold attached. For example, the Home Depot® Credit Card ’s base financing offer is 0% interest for six months on purchases of at least $299. Longer financing offers also are available from ...
