Does Home Depot Accept Afterpay, Klarna, Quadpay & Other ‘buy Now Pay Later’ Services?

As eCommerce continues to rise significantly, services such as “buy now pay later”, Afterpay, and Klarna, are gaining an increasing number of users as the user experience continues to improve.

To protect yourself, you should know if Home Depot accepts buy now pay later services before placing an order. To find out the answer to this question, you can do some research on the internet.

Does Home Depot Accept ‘Buy Now Pay Later’ Services In 2022?

Home Depot accepts PayPal but does not accept Klarna, which is used for financing payments as well as other services. Other credit and debit cards are also accepted at Home Depot, but it is usually possible to buy with a credit card and pay for it later.

To learn more about the services available, how to use them to buy more things, and other important things, continue reading!

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

In addition to its pay now, pay later services, Home Depot has added options in its payment plans. The company now offers customers the opportunity to pay for items in a few installments.

You must read and accept the terms and conditions of the site before purchasing or sharing information from the site.

After you are authorized, you can purchase goods from Home Depot and make payments at a later date.

Unfortunately, this is a policy at Home Depot and you cannot use AfterPay, Affirm, AfterPay, or Sezzle to purchase merchandise at any Home Depot location or online.

Thank you for your interest in Home Depot.

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

Services that allow you to pay for an item without having to pay first are great when buying an expensive item, such as a car, boat, or house.

The item is the same as what is listed on the Home Depot website.

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

As the site is a store, they cannot offer products that require shipping to an additional location.

Pay In 4 can also be used for making payments for all forms of goods or services, except for services such as cleaning and installation services for appliances, flooring, outdoor goods and plumbing.

However, because they are calculated according to your needs and preferences, they can be easily customized.

Installation is carried out by third-party contractors whose job requires them to pay the bills before hand.

For example, a refrigerator might be eligible for a $600 loan, but the total appliance cost might be $900.

The home improvement retailer requires customers to apply for a card to purchase big ticket items like appliances and large-scale home repairs. So, they want customers to apply for their cards on time, so that they can start getting paid on the cards.

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

‘Buy now pay later’ site are the payment methods that appear under the lower-value items and online.

When shopping online, you may need to download the Klarna US app from the App Store or Google Play.

To shop Home Depot at least $40, simply search for Home Depot and add eligible items to the cart.

At the checkout, select the ‘Pay with Klarna’ button and receive an interest-free split of the total cost into 4 payments which are made every 2 weeks.

Customers can download the quadpay app and follow a similar process as described above.

Your purchase will then be split into four payments over six weeks, this means you only have to pay for one third of the product before you can use it for your first application.

I also recommend that you install the extension in Google Chrome on your PC.
You can also access the app on your tablet or iPad or on your Mac.

If you can’t see Home Depot on a cash or credit card, you won’t be able to complete your transaction online.

This is a good thing because it saves you from the hassle of transferring dollars to PayPal since you don’t have to convert them to a PayPal account. It’s quick, the app is easy to use and it won’t cost you much money.

You must spend at least $10 to use Klarna, and $35 to use Quadpay.

Additionally, all accounts must be owned by customers over the age of 18 and the accounts should contain a valid debit card.

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

Klarna states that it does not do credit checks on those who create a new account with its service.

Although your credit file contains basic details about your identity, it may still verify your identity, using information you entered about your address and other details, to verify that you are who you claim to be.

Klarna is also used to make money and if they can’t make money then the business will go under and they will have to let most or all of you go.

Quaypay does not perform hard credit checks on consumers. However, credit ratings might be influenced should Quaypay decide to perform a credit check.

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

Home Depot is limiting customers’ access to Klarna US and Quadpay and is urging people to use Home Depot credit cards instead.

Home Depot is a company that sells home improvement products. They have a credit card that is a very affordable one.

You can use this card to pay for up to 24 months to finance the purchase of a special product. And, you can use it for 6 months on purchases costing $299 or more.

If you’ve got a large renovation, you may want to use the Project Loan card, where you can borrow up to $55,000, and can only make monthly payments of $1,100.

The card also does not raise your interest rate so you will be able to pay your minimum payment, if applicable, on time.

If you apply for a home equity line of credit, your creditworthiness may influence the terms of the loan. You can manage your payment plans and apply for help in applying online from

Can You Use PayPal Credit To Buy Now Pay Later?

Home Depot partnered with PayPal and its credit card so that it’s easy to use PayPal’s credit cards.

You can pay with a PIN and provide your mobile phone number when paying in-store (e.g. to avoid that someone is able to make unlimited payments if using your mobile phone number).

It is also possible to use Paypal by emailing [email protected] and explaining the situation.

Keep in mind that PayPal Credit is offered for existing clients or those who are approved after submitting an application.

If you need to know more about Home Depot’s financing services, you can also look at our related posts on Home Depot’s layaway options and their home improvement loan.


People can use Quadpay, Klarna or PayPal Pay to purchase general merchandise at Home Depot. However, they can’t use these sites to pay for installation costs or other services.

You can use the Home Depot Consumer Credit Card to pay for your Project and the Project Loan card to pay for your Project. You could also use PayPal Credit.

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About the author

I have always been a shopaholic. A lot of times my questions went unanswered when it came to retail questions, so I started Talk Radio News. - Caitlyn Johnson

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