Does Home Depot Accept Buy Now Pay Later?

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The Buy now pay later payment method has become more popular in the market, increasing the purchasing capacity of the individuals even during the pandemic. Founded in 1978, Home Depot is one of the largest home improvement retailers, operating at over 2,312 locations across the US. Let us find out how Buy now pays later works at Home Depot and the terms and conditions. 

Does Home Depot Accept Buy Now Pay Later

The home improvement company only accepts QuadPay and Klarna services for the Buy now pay later payment method. Besides this, customers can avail buy now pay later service through PayPal and Home Depot credit cards. 

How Does Buy Now Pay Later Option Work At Home Depot?

While Home Depot provides its customers with the Buy now pay later option, the payment method has its restrictions. Currently, the home improvement company only accepts payments made from platforms like QuadPay, Klarna, and PayPal credit cards. 

Customers can use this payment method only for the purchase of store products. Home Depot restricts its customers from using this payment method to pay for installation charges and items purchased for customized needs. The home improvement company doesn’t offer this service to buy expensive products fearing the loss of payments on these products.

However, customers can still buy these products using Home Depot credit cards. The Buy now pay later option is governed by each platform’s terms and conditions. So, customers have to visit the platform’s website to check if they are eligible to make a special payment.

Through its terms of use, Home Depot limits its customers to make payments using QuadPay, and Klarna. Instead, it encourages them to use Home Depot credit cards by offering freedom in payments and numerous benefits. 

How To Pay Using Buy Now Pay Later On Home Depot Website?

The Home Depot website allows its customers to pay using QuadPay and Klarna, even for low-value products. The process to pay using QuadPay and Klarna on the Home Depot website is quite similar.

The following are the steps that guide you to complete the purchase from the website through one of the platforms:

  • To pay through QuadPay or Klarna, customers should download the platform’s app, which is available on both Google Play Store and Apple App Store.
  • After downloading the app on the device, click search and look for Home Depot.
  • Once you find Home Depot’s website, start adding eligible items to the cart and proceed to checkout.
  • On the checkout page, select the payment option to pay with QuadPay/Klarna.
  • After selecting the payment option, check for the option to pay in 4.
  • Be regular with the payments that are due every two weeks.

Customers can also avail of the pay-in four services while making their payments through a PayPal credit card. Since the platform’s terms and conditions govern the payments, it is always advisable to be aware of them before making any purchase.  

Other Payment Methods Accepted By Home Depot

Recent times have seen the coming of various payment methods, both online and offline. Of these, With almost all major retailers integrating the Buy now pay later as one of the payment options.

However, here is a list of payment methods accepted by Home Depot to purchase its products and services:

  • Cash
  • Visa, American Express, and Mastercard credit and debit cards
  • Home Depot credit and gift cards
  • PayPal
  • Personal/Business Checks only for in-store payments(not all locations accept this form of payment)
  • QuadPay and Klarna


While Home Depot allows its customers to pay using buy now pay later services, it only accepts payments made through QuadPay and Klarna. The purchases made through these platforms are limited to store products, governed by the platform’s terms and conditions. To enjoy freedom in credit payments, customers can use Home Depot credit cards and enjoy their benefits. 

Frequently Asked Questions

  1. Does Home Depot accept Affirm And AfterPay?

Currently, Home Depot doesn’t accept payments made through Affirm and AfterPay. QuadPay and Klarna are the only two platforms that Home Depot allows for the Buy now pay later payments. 

  1. Does Home Depot Allow Its Customers To Purchase Gift Cards Using Buy Now Pay Later Service?

No, as of 2022, Home Depot only accepts Visa, Discover, Master Card, PayPal, and American Express cards to purchase Home Depot gift cards. 

  1. What Buy Now Pay Later Service Platforms Does Home Depot Accept To Make Payments?

Home Depot allows its customers to pay using QuadPay, Klarna, Home Depot credit card, and PayPal credit card for Buy now pay later payment method.

Does Home Depot Accept Buy Now Pay Later?

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