Pay over time at The Home Depot

The Home Depot sells home improvement supplies, tools, appliances, building materials and garden products. We confirmed PayPal Pay Later here.

Ways to pay over time

Options and terms can change and depend on your credit. Confirm at checkout before you accept.

Pay later

PayPal Pay Later

APR
0% to 35.99%
Credit check
Soft check

Checked Nov 10, 2026 PayPal Pay Later is set up on the store’s website

Store offer, minimum and plan lengths are from The Home Depot’s website. APR and credit check are PayPal Pay Later’s general terms.

What a plan could cost

Example: LG 36 in. 28 cu. ft. 3-Door French Door Refrigerator w/ Ice and Water Dispenser and Craft Ice in PrintProof Stainless Steel LHFS28XBS at $1,699.00 (price on Nov 10, 2026), paid monthly over 12 months with PayPal Pay Later financing, where the store offers it.

PayPal Pay Later Pay in 4: 4 payments of $424.75 every 2 weeks, with no interest if you pay on time.

APRMonthlyTotal paidInterest
0%$141.58$1,699.00$0.00
19.99%$157.38$1,888.53$189.53
35.99%$170.68$2,048.12$349.12

For illustration only, before tax and shipping. Your APR depends on your credit and the plan. 0% APR is only possible if the store runs a 0% offer and you qualify.

How to pay over time at The Home Depot

  1. Add what you want to your cart on homedepot.com.
  2. At checkout, choose PayPal Pay Later as your payment method.
  3. PayPal may run a soft check, which does not affect your credit score.
  4. Compare the plans and the total cost, then accept only if the total works for you.

Questions about The Home Depot financing

Does The Home Depot offer financing?

Yes. We confirmed PayPal Pay Later at The Home Depot on Nov 10, 2026. Options can change, so check at checkout before you buy.

Will checking my rate at The Home Depot affect my credit score?

PayPal may run a soft credit check for Pay Later, which does not affect your score. Pay Monthly loans may be reported to credit bureaus.

Can I use PayPal Pay Later in a The Home Depot store?

We checked online shopping at The Home Depot only. If the store has physical locations, ask there whether financing is available.

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