Does Home Depot Accept Buy Now Pay Later?

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Home Depot accepts Quadpay and Klarna to purchase general merchandise as of 2022 but does not accept these for installation and other services. Alternatively, customers can use a Home Depot or PayPal credit card to buy now and pay later. AfterPay, Sezzle, Afterpay, and Affirm are not accepted at Home Depot.

If you want to learn more about the items you can purchase with buy now pay later services at Home Depot, how to use these services to buy items, and much more, keep on reading!

Which ‘Buy Now Pay Later’ Services Does Home Depot Accept?

Customers can now use the following ‘buy now pay later’ services at Home Depot:

You should check the terms and conditions of each site ahead of your purchase to ensure you are eligible to use the service.

Once you are authorized, you can purchase goods from Home Depot and pay for them at a later date.

Unfortunately, you cannot use AfterPay, Affirm, AfterPay, or Sezzle to purchase merchandise at any Home Depot location or online.

What Items Can You Buy At Home Depot With ‘Buy Now Pay Later’ Services?

Buy now pay later services are convenient when purchasing an expensive item, as they typically allow you to split the payment into several more manageable amounts.

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

  • Household and outdoor furnishings
  • Power tools (such as drills, electric saws, sanders, and grounders)
  • Small appliances such as microwaves, portable air conditioners, coffee makers, and air fryers
  • Homeware including bedding, hardware, pillows, decor
  • Lighting such as lamps, lampshades, fixtures
  • Plants, seeds, shrubs, and trees
  • Selected electronics such as speakers, Bluetooth speakers, and headphones

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

As Home Depot operates an expansive range of services, there are particular payments that cannot be made with a “buy now pay later” site.

For example, installation services for appliancesflooring, outdoor goods, blinds, and plumbing cannot be paid for using Klarna, Quadpay, or PayPal Pay in 4.

This is because prices are typically calculated according to your customized needs.

Additionally, installation is carried out by third-party contractors and so they may need upfront payment.

Other than that, major appliances that tend to cost more are often ineligible for “buy now pay later”.

This exclusion is for two reasons: to encourage customers to apply for a Home Depot credit card, and because the retailer cannot afford to lose missed payments on high-value items.

How Do You Use ‘Buy Now Pay Later’ Services At Home Depot?

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

1. Klarna 

When shopping online, you may need to download the Klarna US app for Apple and Android smartphones.

Once the app is downloaded, you can search for Home Depot and add eligible items to your cart.

At the checkout, select the ‘Pay with K’ button and use Klarna to split the total cost into 4 interest-free payments which are due every 2 weeks.

2. Quadpay

Customers can follow a similar process as described above to shop with Quadpay by downloading the Quadpay app.

The site will then split the price of your purchase into 4 payments that are spread over a period of 6 weeks.

Note that the app is available for Apple and Android smartphones and as an extension for Google Chrome.

3. PayPal Pay in 4

Online ‘buy now pay later’ sites are generally exclusive to shopping at

However, since PayPal is widely accepted at most Home Depot stores, you may gain the option of using PayPal Pay in 4 directly when using the app.

Keep in mind that transactions must be a minimum of $10 to use Klarna and $35 to use Quadpay.

Additionally, accounts must be owned by customers over the age of 18 and should have a valid debit card connected to the account.

Do You Need To Undergo A Credit Check To Use Afterpay, Klarna, Or Quadpay?

Klarna states that it does not always perform credit checks on its users.

However, in the interests of its consumers, it may perform light checks that verify your identity using the details you entered to receive a credit report.

Klarna does this to maintain healthy financial behavior and conclude whether you can use this site or not.

On the other hand, although Quad pay does not undertake hard credit checks on consumers, credit rating is not influenced should Quaypay decide to perform a check.

Does The Home Depot Credit Card Let You Buy Now Pay Later?

Home Depot limits customers’ access to Klarna US and Quadpay to urge customers to use a Home Depot credit card.

The Home Depot Consumer Credit Card is the most attainable credit card for regular customers.

Using this card, you can redeem up to 24 months of financing on special products and 6 months on purchases worth $299 or more.

If you’ve got a large renovation job coming up, you may prefer to use the Project Loan card, where you can borrow up to $55,000 entailing monthly payments of $1,100 monthly.

Additionally, the card does not incur any annual fees but does offer fixed low monthly payments.

Note that since these are lending cards, your creditworthiness may influence whether you can obtain a card or not. You can manage payments or apply online from

Can You Use PayPal Credit To Buy Now Pay Later?

Home Depot’s partnership with PayPal means it’s straightforward to use PayPal Credit in-store and online.

You can provide your mobile phone number when paying in-store and enter a unique 4-digit PIN to pay.

Alternatively, you can checkout online using PayPal by selecting credit when choosing which stored method to use.

Keep in mind that PayPal Credit is offered to long-standing clients or those who are approved after an application.

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:

  1. 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.
  2. After downloading the app on the device, click search and look for Home Depot.
  3. Once you find Home Depot’s website, start adding eligible items to the cart and proceed to checkout.
  4. On the checkout page, select the payment option to pay with QuadPay/Klarna.
  5. After selecting the payment option, check for the option to pay in 4.
  6. 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.  


Customers can use Quadpay, Klarna, and PayPal Pay in 4 to purchase general merchandise at Home Depot. However, customers cannot use these sites to pay for installation costs or other services.

Instead, you can use the Home Depot Consumer Credit Card or the Project Loan card, or PayPal Credit to ‘buy now pay later.’

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