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Home Depot is a go-to for appliances, tools, outdoor furniture, and home improvement materials — and it offers several strong financing options for 2026. Whether you need a new refrigerator, a patio set, or a full bathroom renovation’s worth of materials, here’s how to pay over time at Home Depot.
Home Depot’s Financing Options
Affirm: Available at HomeDepot.com checkout. Monthly installment plans from 3–24 months. Interest rates from 0%–36% APR depending on your profile and the offer available. Home Depot frequently offers 0% promotional APR through Affirm on major appliance purchases.
Home Depot Credit Card (Consumer): Issued by Citibank. Offers 24-month deferred financing on purchases of $299 or more. Standard APR is 29.99%. Best used only if you’ll pay the full balance before the 24-month period ends — deferred interest can be significant on large purchases.
Home Depot Project Loan: For larger renovation projects up to $55,000. Fixed monthly payments over 84 months. Requires a credit application. APR varies. Best for major home improvement projects, not everyday appliance purchases.
Klarna: Available at HomeDepot.com. Pay in 4 option (4 bi-weekly interest-free payments) for eligible purchases.
What You Can Finance at Home Depot
Appliances: Refrigerators, ranges, dishwashers, washers, dryers, water heaters — all eligible for Affirm and Home Depot Credit Card financing. Home Depot’s appliance section is one of the strongest in retail, with brands including Samsung, LG, Whirlpool, GE, and Bosch.
HVAC and climate control: Window and portable air conditioners, space heaters, fans. Mid-to-large purchases here work well with Affirm.
Outdoor furniture and grills: Patio sets, deck furniture, and grills are fully financeable. BBQ grills over $400–$500 work well with Affirm or Klarna.
Tools and equipment: Power tool sets, pressure washers, generators. Affirm is available and often used for professional-grade equipment purchases.
Building materials for DIY projects: Flooring, tile, lumber — eligible for the Home Depot Project Loan or credit card.
Appliance Package Deals
Home Depot frequently offers appliance bundles — buy a matching washer, dryer, and refrigerator together for a discount. These bundles can save $200–$500 vs. buying separately, and the total purchase qualifies for better financing terms. A $2,500 appliance bundle financed through Affirm at 0% over 18 months = ~$139/month.
Affirm vs. Home Depot Credit Card: Which Is Better?
Affirm is generally the safer choice for most shoppers. It’s a true fixed-rate loan — no deferred interest, clear payoff date, no surprise charges. The Home Depot credit card’s 0% deferred financing is attractive but carries real risk: if you have any balance remaining when the promotional period ends, you’re charged all the accumulated interest back to the purchase date at 29.99% APR.
Use the Home Depot card only if you’re disciplined about paying the balance in full before the promotional period expires. Otherwise, Affirm’s transparent terms are the better deal even if the nominal rate is slightly higher.