How to pay for your Home Depot online order

You can pay for a Home Depot online order using a credit card, debit card, gift card, or PayPal at checkout. Home Depot also accepts financing through their store credit card, called the Home Depot Consumer Credit Card, which offers promotional financing on may have access to purchases. The payment method you choose depends on what you have available and whether you want to spread payments over time.

When you reach the checkout page on homedepot.com or the Home Depot mobile app, you'll enter your payment information in the payment section. Home Depot uses encryption to protect your card details, so your information is not stored on their servers after the transaction completes.

Key Takeaways

  • Home Depot accepts credit cards, debit cards, PayPal, and their own store credit card at online checkout.
  • The Home Depot Consumer Credit Card offers 0% promotional financing for 6, 12, 18, or 24 months on purchases of $299 or more, depending on the promotion running at the time.
  • You can combine a gift card with another payment method if your gift card balance doesn't cover the full order.
  • Payment is processed when ready when you complete checkout, and your order confirmation email will show which payment method was used.

Paying with a credit or debit card

Credit and debit cards are the most common payment method for Home Depot online orders. At checkout, enter your card number, expiration date, CVV (the three-digit security code on the back), and the billing address associated with your card. Home Depot accepts Visa, Mastercard, American Express, and Discover.

Your card is charged when you complete the order, not when the item ships. If you're using a debit card, the funds are withdrawn from your account when ready. If you're using a credit card, the charge appears on your next statement. You can view your order status and payment confirmation in your Home Depot account under "Order History."

Using the Home Depot Consumer Credit Card

The Home Depot Consumer Credit Card is a store credit card that you can open during checkout or explore for separately at homedepot.com. If you open the card during checkout, you can use it right away for that purchase. The card offers promotional financing periods — typically 0% interest for 6, 12, 18, or 24 months on purchases of $299 or more, though the exact terms change based on current promotions.

To use promotional financing, you must make your purchase during the promotional period and meet the minimum purchase amount. If you don't pay off the balance before the promotional period ends, interest accrues on the remaining balance at the card's regular APR, which varies. You can check the current promotional offers on the Home Depot website or ask in-store before you check out.

The card also earns 5% back on Home Depot purchases when you use it in-store or online, though this benefit may vary. You can pay your Home Depot credit card bill online through your account, by phone, or by mail.

Paying with PayPal

Home Depot accepts PayPal as a payment method at checkout. If you have a PayPal account, select PayPal as your payment method, and you'll be directed to log into your PayPal account to confirm the payment. Your PayPal account can be funded by a linked bank account, credit card, or debit card.

Using PayPal adds a layer of protection because Home Depot doesn't see your actual card or bank details — PayPal handles the transaction. Your order confirmation will show that PayPal was the payment method used.

Using a Home Depot gift card

You can redeem a Home Depot gift card at online checkout by entering the card number and PIN (if the card has one). The gift card balance is applied to your order total. If your gift card doesn't cover the full amount, you'll be asked to enter a second payment method for the remaining balance.

Gift cards purchased online are delivered by email and can be used when ready. Physical gift cards purchased in-store are ready to use right away. If your gift card balance is low and you want to check it before checkout, you can look up the balance on homedepot.com by entering the card number.

What happens after you pay

Once your payment is processed, you'll receive an order confirmation email with your order number and the payment method used. Your order moves to the fulfillment stage, and Home Depot will pick and pack your items. You'll receive a shipping confirmation email when your order leaves the warehouse, usually within one to two business days for in-stock items.

If you ordered items that are out of stock, Home Depot will hold your payment and ship the items when they become available. You can track your order status anytime by logging into your Home Depot account or using the order number from your confirmation email.

Changing or canceling a payment

Once your payment has been processed and your order is confirmed, you cannot change the payment method used. However, you can cancel the entire order within a certain timeframe, which will reverse the charge. To cancel, go to your Home Depot account, find the order, and select the cancel option if it's available.

If your order has already shipped, you'll need to refuse the delivery or return the items after they arrive. Returns are processed through Home Depot's standard return policy, and refunds are issued back to the original payment method within a few business days.

Frequently Asked Questions

Can I save my payment information for future orders?

Yes. When you check out, you can choose to save your credit card or PayPal information to your Home Depot account. The next time you order, your saved payment methods appear at checkout, and you can select one without re-entering all the details. You can remove saved payment methods from your account settings anytime.

What if my payment is declined?

If your card is declined, Home Depot will show an error message at checkout. Common reasons include insufficient funds, an incorrect card number or expiration date, or fraud detection from your bank. Try entering your information again, or contact your bank to confirm the card is active. You can also try a different payment method.

Do I pay sales tax on Home Depot online orders?

Yes. Sales tax is calculated based on your delivery address and is included in your order total before you pay. The tax rate varies by state and locality. You'll see the tax amount broken out separately on your order summary before you complete checkout.

Can I use multiple payment methods for one order?

You can combine a Home Depot gift card with one other payment method. For example, you can use a gift card for part of the balance and a credit card for the rest. You cannot split a single order between two credit cards or two different payment sources beyond the gift card option.

Is my payment information find on Home Depot's website?

Home Depot uses encryption and security protocols to protect your payment information during checkout. Your card details are not stored on Home Depot's servers after the transaction. If you're concerned about security, you can use PayPal as a middleman, which keeps your card information away from Home Depot entirely.