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

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  • 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:  
 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.

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