Does Home Depot accept Afterpay, Klarna, Quadpay and other ‘buy now pay later’ services?
As e-commerce continues to grow significantly, ‘buy now, pay later’ services such as Afterpay, Klarna and Quadpay are gaining more and more users at online checkouts.
So if you buy high-value items from Home Depot’s online store, you might be wondering if Home Depot accepts buy now, pay later. Here’s what I found!
Does Home Depot accept “buy now, pay later”?
Home Depot accepts Quadpay and Klarna for general merchandise purchases, but not for installation and other services. Alternatively, customers can buy now and pay later with a Home Depot or PayPal credit card. Home Depot does not accept AfterPay, Sezzle, Afterpay and Affirm.
If you want to learn more about what you can buy with Buy Now, Pay Later services at Home Depot, how to buy with them, and more, keep reading!
What buy now pay later services does The Home Depot accept?
Customers can now take advantage of the following Buy Now Pay Later services at The Home Depot:
You should check each site’s terms and conditions before purchasing to ensure you are eligible for the service.
Once authorized, you can purchase items from Home Depot and pay for them later.
Unfortunately, you cannot use AfterPay, Affirm, AfterPay or Sezzle to purchase items at any Home Depot location or online.
What can you buy at Home Depot with Buy Now Pay Later?
Buy now, pay later services are convenient when buying expensive items, as they often allow you to split your payment into several more manageable amounts.
Customers can typically use these payment sites to purchase the following products from Home Depot:
- Home and Outdoor Furniture
- Power tools (such as drills, chainsaws, sanders, and grounders)
- Small appliances such as microwave ovens, portable air conditioners, coffee makers, and air fryers
- Household items, including bedding, hardware, pillows, decorations
- Luminaires, shades, fixtures and other lighting
- Plants, Seeds, Shrubs and Trees
- A selection of electronics such as speakers, bluetooth speakers and headphones
What’s not included in Home Depot’s Buy Now Pay Later service?
Because Home Depot operates a wide range of services, certain payments cannot be made through the Buy Now Pay Later site.
For example, installation services for appliances, flooring, decking, blinds and plumbing cannot be paid for with Klarna, Quadpay or PayPal Pay in 4.
This is because the price is usually calculated based on your custom needs.
Also, the installation is performed by third-party contractors, so they may require an upfront payment.
Beyond that, larger appliances, which tend to be pricier, usually don’t qualify for “buy now, pay later.”
There are two reasons for this exclusion: to encourage customers to apply for a Home Depot credit card, and because retailers can’t afford to miss payments for high-value items.
How do you use Home Depot’s Buy Now Pay Later service?
The option to use “buy now, pay later” sites may appear as a payment method for online purchases of low-value items and when shopping online.
Klarna
When shopping online, you may want to download the Klarna US app for Apple and Android smartphones.
After downloading the app, you can search Home Depot and add eligible items to your cart.
At checkout, select the “Pay with K” button and use Klarna to split the total into 4 interest-free payments, payable every 2 weeks.
quadruple payment
Customers can make purchases with Quadpay by downloading the Quadpay app following a similar process as above.
The site will then split your purchase price into 4 payments spread over 6 weeks.
Note that the app is available for Apple and Android smartphones and as an extension for Google Chrome.
paypal payment 4
Online “buy now, pay later” sites are generally limited to shopping at HomeDepot.com.
However, since PayPal is widely accepted at most Home Depot stores, you can use PayPal Pay directly in 4 while using the app.
Remember that transactions must be at least $10 with Klarna and $35 with Quadpay.
Additionally, the account must be owned by a customer over the age of 18 and should have a valid debit card associated with the account.
Do you need a credit check to use Afterpay, Klarna or Quadpay?
Klarna says it doesn’t always run credit checks on its users.
However, in the interest of consumers, it may perform a simple check using the details you enter to verify your identity to receive credit reports.
Klarna does this to maintain healthy financial behavior and to determine whether you can use the site.
On the other hand, while Quadpay does not conduct hard credit checks on consumers, if Quaypay decides to do a check, the credit rating will not be affected.
Can the Home Depot credit card buy now and pay later?
Home Depot restricted customer access to Klarna US and Quadpay to urge customers to use Home Depot credit cards.
The Home Depot consumer credit card is the most accessible credit card for the average customer.
With this card, you can redeem up to 24 months of special product financing and 6 months of purchases worth $299 or more.
If you’re about to have a major renovation job, you might prefer to use a project loan card, where you can borrow up to $55,000 with monthly payments of $1,100.
Additionally, the card has no annual fee but offers fixed low monthly payments.
Note that since these are debit cards, your creditworthiness may affect whether you can get a card. You can manage payments or apply online from HomeDepot.com.
Can you buy now and pay later with PayPal Credit?
Home Depot’s partnership with PayPal means it’s easy to use PayPal Credit in-store and online.
When paying in store, you provide your mobile phone number and enter your unique 4-digit PIN to pay.
Alternatively, you can checkout online with PayPal by selecting Credit Card when selecting the storage method you want to use.
Remember, PayPal Credit is for long-term customers or those who have been approved after applying.
If you want to learn more about Home Depot’s services, you can also read our related posts on whether Home Depot accepts PayPal, whether Home Depot has installment payments, and Home Depot project loans.
in conclusion
Customers can use Quadpay, Klarna, and PayPal Pay in 4 to buy groceries at Home Depot. However, customers cannot use these sites to pay for installation or other services.
Instead, you can “buy now, pay later” with a Home Depot Consumer Credit Card or Project Loan card, or PayPal Credit.
