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:  
 7 reviews
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.

by Juan
Worst Experience

Not even a one star. This card offers good financing but is the biggest hassle to even start using the card. Customer service is ridiculous and wouldn't give me any information because they said my phone number didn't match. Its what was in the application and I've had for over 2 years! Horrible experience spent entire time trying to resolve issues after getting approved.

by mary
never again

If I could rate this less than a 1 I would. I just took out a THD Project Loan for 10K   Which provided a 6 mo grace period before actual payments start.   The project also included a 900 rebate from HD and a $150 rebate from the electric company as it was energy saving.   To work on getting the balance down before payments are set,   I took the 150 from the elec comp.  and placed it against the principal.   HD however, did not place the rebate against my balance, instead they gave me a Debit card for $900.00 and NO WAY TO BE ABLE TO USE IT AGAINST MY BALANCE!!!!  How nice... now I can spend another $900.00 at home depot and pay more than likely more than that in interest on the loan over the course of time.    I will NEVER EVER DO THIS AGAIN.

by Jen
Worst card I ever had

I opened a Home depot Project Loan because we are remodeling our kitchen. Multiple times my card got declined and I had to call them in the store. They kept freezing my account because I went to two different home depot locations and I ordered online. So I guess you can't go to other home depots? Doesn't make sense. It's good when it works but most of the time it doesn't. I would NEVER open another Project Loan from Home depot.

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