Does Home Depot Accept Afterpay? (2022 Guide)

Home Depot Store Credit
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As the popularity of “buy now, pay later” services like Afterpay, Klarna, and Quadpay grows, so does the number of users at online checkouts. Home Depot is a popular retailer that sells home improvement products. It offers a diverse range of products to meet the needs of various customers. 

As a result, Home Depot serves as a one-stop shop for all of your home improvement needs. So, if you’re looking to buy high-value items from Home Depot’s online store, you might be wondering if they accept buy now, pay later services.

Is Afterpay accepted at Home Depot? 

Yes! Home Depot customers can now use the following ‘buy now, pay later’ services:

  • Quadpay 
  • Klarna
  • PayPal Pay in 4 Days

Check the terms and conditions of each site before making a purchase to ensure you are eligible to use the service. Once authorised, you can purchase items from Home Depot and pay for them later.

What Can You Get With Home Depot’s ‘Buy Now, Pay Later’ Services?

Customers can usually use these payment sites to buy the following Home Depot items:

  • Indoor and outdoor furniture.
  • Instruments of great power such as drills.
  • Small appliances include microwaves, portable air conditioners, coffee makers, and air fryers.
  • Homeware includes items such as bedding
  • Lighting includes lamps, lampshades, and fixtures.
  • Plant life includes plants, seeds, shrubs, and trees.
  • Selected electronics include speakers, Bluetooth speakers, and headphones.

What Is Excluded From Home Depot’s ‘Buy Now, Pay Later’ Services?

Home Depot provides a wide range of services, certain payments cannot be made through a “buy now, pay later” website. 

  • Installation services for appliances.
  • Flooring.
  • Outdoor goods.
  • Blinds.
  • Plumbing.

How Do You Use Home Depot’s Klarna Services?

When shopping online on lower-value items as well as online, the option to use ‘buy now pay later’ sites may appear as a payment method. 

  • You may need to download the Klarna US app for Apple and Android smartphones when shopping online.
  • After downloading the app, you can search for Home Depot and add eligible items to your cart. 
  • Select the ‘Pay with K’ button at the checkout and use Klarna to divide the total cost into four interest-free payments due every two weeks.

How Do You Use Home Depot’s Quadpay Services?

  • Quadpay customers can shop with Quadpay by downloading the Quadpay app, which is similar to the process described above.
  • The site will then divide the cost of your purchase into four payments over the course of six weeks.
  • It should be noted that the app is available for both Apple and Android smartphones, as well as as a Google Chrome extension.

How Do You Use Home Depot’s PayPal Pay in 4 Services?

  • PayPal Pay in 4 Online ‘buy now, pay later’ sites are typically limited to purchases.
  • However, because PayPal is widely accepted at most Home Depot locations, you may be able to use PayPal Pay in 4 directly when using the app.
  • Remember that transactions must be at least $10 to use Klarna and $35 to use Quadpay.
  • Furthermore, accounts must be owned by customers over the age of 18 and must be linked to a valid debit card.

Is a credit check required to use the services?

According to Klarna, it does not always conduct credit checks on its users. However, in the interests of its customers, it may conduct light checks to verify your identity using the information you provided to obtain a credit report. On the other hand, Quad Pay does not conduct hard credit checks on customers.

Is it possible to buy now and pay later with the Home Depot credit card?

To encourage customers to use a Home Depot credit card, Home Depot restricts their access to Klarna US and Quadpay. 

  • The Home Depot Consumer Credit Card is the easiest credit card to obtain for regular customers.
  • You can get up to 24 months of financing on special products and 6 months on purchases of $299 or more with this card. 
  • If you have a large renovation project coming up, you may prefer to use the Project Loan card, which allows you to borrow up to $55,000 with monthly payments of $1,100. 
  • Furthermore, the card has no annual fees and offers fixed low monthly payments.

Can You Buy Now and Pay Later With PayPal Credit?

Yes! Because of Home Depot’s partnership with PayPal, it is simple to use PayPal Credit both in-store and online. When paying in-store, you can enter a unique 4-digit PIN and provide your mobile phone number.

Alternatively, you can use PayPal to check out online by selecting credit when deciding which stored method to use.Keep in mind that PayPal Credit is only available to long-term customers or those who are approved after submitting an application.


Customers can pay for general merchandise at Home Depot using Quadpay, Klarna, or PayPalPay in 4. Customers cannot, however, use these sites to pay for installation or other services. Instead, you can ‘buy now, pay later’ with the Home Depot Consumer Credit Card, the Project Loan card, or PayPal Credit.


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