The Home Depot Project Loan


For People with
Fair Credit

REVIEWS

Reviews

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.

Card Quick Facts

Card Quick Facts

  • Fixed 7.99% APR
  • Credit lines up to $40,000
  • 6 months to make all of your project purchases
  • No annual fee

For People with
Fair Credit

REVIEWS

Reviews

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

None

How to Redeem

Introductory Bonus

  • None
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 7.99% (Fixed)
Intro Purchase APR -
Foreign Transaction Fee -
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR See Terms
Late Fee See Terms
Returned Payment Fee See Terms
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR -
Cash Advance Fee -

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

Visitor Reviews

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

Submit your review
1
2
3
4
5
Submit
     
Cancel

Create your own review

Average rating:  
 12 reviews
by Jaime
Terrible experience

Shortly after being approved for a HD project loan, we received an email saying that we were able to being using the credit card number. When we tried to use it online, we were told that we needed to receive the actual card. A week later when we received it in the mail, we tried to use it online again and it didn't work. I phoned GreenSky and was told that we needed to physically go into the store to activate the account. We went into the store and were told that it had been activated so we went home and tried to use it again and it was declined. When I phoned I was told that there was a "hold" on our account for no apparent reason and we would need to go back into the store to activate it. If we didn't need the card for a project, I would cancel it.

by ayanna0311
HORRIBLE

I got a fence bid thru HD, and was told to apply for the Project Loan. I have a great credit rating of over 700 and was instantly denied for 10K request. Completely ridiculous and waste of inquiry on my credit. I will be going thru an outside company at this point !!! DONT waste your time applying for a project loan !!

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.

Page 1 of 3:
«
 
 
1
2
3
 
»
 

The Insider

Susan Shain
How Credit Cards With Car Rental Insurance Could Save You Big Bucks
Susan Shain | Nov 10, 2018

Looking for credit cards with car rental insurance? This post explains the different options and terms — and selects four cards with the best coverage.

Read More
Kat Tretina
Review of the Bank of America Premium Rewards Credit Card
Kat Tretina | Nov 07, 2018

Looking for a new travel rewards credit card? Check out the Bank of America Premium Rewards card, offering 2X points on travel and dining for a $95 fee.

Read More
Kat Tretina
Review of the Cash Magnet Card from American Express
Kat Tretina | Oct 31, 2018

If you're looking for a simple, flat-rate cash back card, check out the Cash Magnet Card from American Express, offering 1.5% cash back with a $250 bonus.

Read More