The Home Depot Project Loan

The Home Depot Project Loan is an 84-month line of credit that can be opened to fund projects.

Home Depot also offers the Home Depot Consumer Credit Card for consumers, and The Home Depot Commercial Account and The Home Depot Commercial Revolving Charge Card for contractors.

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  • Rewards


  • Signup Bonus None
  • Chip Technology Chip-and-Signature
  • Foreign Transaction Fee -
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR -
  • Cash Advance APR -
  • Penalty APR See Terms
  • Late Fee See Terms
  • Returned Payment Fee See Terms

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.

How Project Loans Work

  • Apply online or in-store
  • Get a 6 month buying window to purchase products
  • Get 84 months to pay off your balance
  • Credit lines up to $40,000

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Average rating:  
 10 reviews
by Mario
The worst

I have tried to pay them over 7 times an they keep telling me my information is wrong... i ask them to take payment through a credit card so i don't get a late payment and they tell me no. Then they call me saying they are trying to collect a debt so i offer to pay them with a credit carddebit an they say they can not accept that.. what a joke this company is. now they get no money from me thanks for the 15K !

by Anthony Giustina
This Card Sucks

I just got the card, activated it and it is declined already. I never put one charge on it. I called the number on the back and they keep telling me it should NOT be declined. I tried it again and it was declined again. I did this about 5 times, called the phone number on the card, everything is good, then try to use it, DECLINE. Also, when I call the number on the back, they say, that they don't even see the attempt or it being declined. I don't recommend the card, it is extremely frustrating to activate and immediately gets declined for no reason. WASTE OF TIME!!!!!!!!!

by Millennial
Used it to finish my basement

We had a great experience with the project loan card. We wanted to finish our basement and add a bathroom, bedroom, and family living space along with some closets. We got approved for $10k pretty quickly and could start using it right away. We could order things online to be delivered, use the HD app to find products in stores down the the isle and section. We've been making payments online or by mail every month and it hasn't been a problem. We only had to call customer service once about an accidental double delivery and they took care of us quickly.

by Steve Shaffer

This company has stupid employees, my son sent a cashier check to pay off his account. Upon receiving the check, the idiots in accounts receivable sent the check to home depot credit card center. The card center deposited the check without applying it to his account. One month later the check has still not been applied and the account is still active. Not only did the dumb employees not pay off the account, they posted a late notice on his account and he had to pay an extra months payment to prevent this showing up as a late payment. If there were a negative star I would give them a negative 5.

by Cheryl
Great service

Project loans are always a little bit of a hassle to get started because of the verification process, but overall it’s a great way to fund your remodeling. 7.9% is a decent rate compared to the 12-20% rate a lot of credit cards charge. Plus, I use a project loan with the intent and a plan to pay off within the year. We have loved the ease and flexibility of using project loan credit card.

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