Does Home Depot Accept Affirm

Does Home Depot Accept Affirm is the largest chain of retail stores in the United States and the world serving millions of customers each day. With the rise of the internet and e-commerce platforms, Home Depot has opened its e-commerce website to serve customers online. Buy Now Pay Later (BNPL) payment methods are used for making payments online and Home Depot also supports some of these platforms.

Does Home Depot Accept Affirm

As of 2022, Home Depot does not support Afterpay, Sezzle, or Affirm for making payments. Home Depot offers Klarna and Quadpay as proper payment methods. However, it is possible to make payments through these platforms only for purchases on store items. It is not possible to pay for other fees that Home Depot charges such as delivery fees, installation fees, and servicing costs. 

The purpose of this article is to inform the reader about alternative payment methods that are acceptable at Home Depot and the services and products available for purchase for customers who want to make payments through BNPL services.

Payment Methods Acceptable for Making Purchases and Availing Services at Home Depot

Does Home Depot Accept Affirm supports cash, checks, credit, and debit cards for making payments. Additionally, it is possible to make payments for service charges and delivery charges as well with these payment methods as they are traditionally very widely used by customers. Cash on delivery and credit cards issued by any widely known credit union or a bank are accepted both at the store and for making online purchases. Discover Credit Cards are, however, not acceptable for making payments. Personal checks issued by any recognized bank in the United States are acceptable at all physical retail stores of Home Depot. 

Digital Wallets may also be used for making payments at Home Depot such as Samsung Pay. However, major digital payment systems like Google Pay or Apple Pay are not supported by Home Depot. Home Depot Credit Cards are also issued for making payments exclusively at Home Depot. Using Home Depot Credit Cards has benefits for the user such as discounted products, cash backs, and free charges on additional services.

For making payments through BNPL platforms, a customer can use any of the following three:

  • Quadpay
  • Klarna
  • PayPal Pay in 4

The customer should read the terms and conditions of service for these platforms to avoid any hassles. 

Merchandises and Services Available for BNPL Platform Payments

Due to the low economy of making payments through Buy Now Pay Later services, it is easier to pay for an expensive item through this method than paying a large sum of money at once. BNPL services do not usually charge any fees for using them, nor do they charge credit or make an initial fee for availing the services. However,Does Home Depot Accept Affirm is not possible to pay for all your bills with BNPL services. The following is a list of some of the payments that can be done by BNPL services:

  • Furnishings and home décor. Outdoor décor may also be available for making payments through this method.
  • Power tools include but are not limited to drills, electric saws, grounders, and sanders.
  • Small electric kitchen appliances such as toasters, microwave ovens, air fryers, etc.
  • Homeware such as bedding, pillows, pillow covers, curtains, sheets, etc.
  • Lighting tools such as lamps, lighting fixtures, vanity lamps, outdoor lighting, and chandeliers.
  • Garden plants, herbs, trees, indoor potted plants, seeds, and gardening tools like spades, pruning shears, gloves, and rakes.
  • Some electronic devices and accessories such as speakers and Bluetooth speakers, headphones, EarPods 

Exclusions From BNPL Services And The Reasons

While Home Depot allows payments for some products using BNPL services, it does not allow payments through this method for every purchase. Usually, high-cost products like refrigerators, expensive electronic products, and costs for servicing and installation charges cannot be covered by BNPL payment methods. This is because servicing and installation works are done by independent service providers and contractors who are not direct employees of Home Depot and work done for installing an appliance or fixing a product varies a lot between individual customers and it is not easy to come up with a standard quotation for the fees required this work. 

Home Depot also tries to convince the customer to apply for a Home Depot Credit Card for making larger payments and hence does not accept BNPL service for this reason. Another reason why BNPL payments are rejected is that Home Depot cannot afford to miss out on payments for expensive products.


Home Depot offers BNPL payment methods for Klarna, Quadpay, and PayPal in 4 for general low-risk commodities and a customer can use it for making payments for lower-cost items virtually infinite times. However, high-risk and expensive items and delivery and installation charges cannot be covered by a BNPL payment method. Instead, Home Depot encourages the use of Home Depot Credit Card for these services and goods.


Q1. Can I use a Home Depot Gift Card for making purchases?

A1. It is possible to redeem a Home Depot Gift Card for purchasing at any store in the United States or on the website.

Q2. How can I get a Home Depot Credit Card?

A2. One can apply for a Home Depot Credit Card at any Home Depot Store.

Does Home Depot Accept Affirm

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