Credit Services

Our stores remain open with protocols in place to safely support our customers. However, we understand that some customers may wish to limit store visits during COVID-19. Here are some additional ways to make payments for your The Home Depot Credit Card:

In-store Payment

Bring your monthly statement or The Home Depot Credit Card to you local The Home Depot store to make a payment in-store .

Mail Payments

You can mail in your payment to the remit address found at the bottom of your statement.

Internet or Telephone Banking

If your Canadian financial institution allows it, arrangements can be made to accept payments through their internet or telephone banking services.

Pay by ABM

While payment at your financial institution’s ABM continues to be an available option, we understand the need to stay home during this time. If you have any concerns or questions about making your payments by ABM, please contact your local bank.

Yes, The Home Depot^® Consumer Credit Card may be used to purchase products online at homedepot.ca.

• View and download statements dated within the last 24 months
• Report a missing payment or refund.
• Request the following:
  • Reset your password
  • Billing and mailing address changes
  • Credit limit increases
  • Replacement cards
  • Credit balance refunds
  • Terms and conditions of your account

Please contact Citi Cards Canada Inc. immediately at 1-800-747-3787, TTY: Use 711 or other Relay Service.

Please contact Citi Cards Canada Inc. at 1-800-747-3787, TTY: Use 711 or other Relay Service, or through Home Depot Account Online.

Note: For legal name changes, please mail a copy of the appropriate legal documents (including signatures in previous and new legal names) to the following address in order to process your request:

Citi Cards Canada Inc.
PO Box 2052 Station B
Mississauga, ON L4Y 0B5

Please contact Citi Cards Canada Inc. at 1-800-747-3787, TTY: Use 711 or other Relay Service, or through Home Depot Account Online.

An authorized user is anyone whom the primary account holder has authorized to make purchases on their Home Depot^® Consumer Account. Although the authorized user can make purchases, he/she cannot request account information or make changes to the account.

Please contact Citi Cards Canada Inc. at 1-800-747-3787, TTY: Use 711 or other Relay Service.

You can make your payment by mail, at your local store, or through your financial institution.

Please mail your cheque or money order to:
Citi Cards Canada Inc.
P.O. Box 675, Station D
Scarborough, ON M1R 5T4

The Home Depot^® stores can accept payments made in cash, cheque or direct debit to your Bank account. To ensure correct processing, please bring your account number or statement to the store. Click here to find the store nearest you.

If your payment was made by mail, please allow 10 business days from the mailing date for your payment to appear on your account. If your cheque has been cashed and does not appear on your statement, please call us at 1-800-747-3787, TTY: Use 711 or other Relay Service.

At this time, the billing process is unable to accommodate changes to the payment due date assigned to individual accounts. Specific dates help us provide you with the highest level of service when processing your monthly statement.

If your statement shows that payment was received, but it is for an incorrect amount, please contact Citi Cards Canada Inc. directly at 1-800-747-3787, TTY: Use 711 or other Relay Service.

For Canadian Residents (excluding Quebec):
For deferred interest plans, interest accrues from the purchase transaction date and will be waived if each minimum monthly payment required during the promotional period is paid in full by its payment due date and the purchase price is paid in full by the plan expiration date. If not, interest will be charged at an Interest Rate of 28.8% per annum in accordance with the Consumer Cardholder Agreement.

For Quebec Residents:
For deferred interest plans, interest accrues from the purchase transaction date and will be waived if each minimum monthly payment required during the promotional period is paid in full by its payment due date and the purchase price is paid in full by the plan expiration date. If not, interest will be charged at an Interest Rate of 21.5%^ per annum in accordance with the Consumer Cardholder Agreement.

˄ If your account was opened prior to March 15, 2020, interest will be charged at a Credit Rate of 23.25% per annum in accordance with your Consumer Cardholder Agreement.

Prequalification is the first step of the Project Loan application process. Prequalification allows you to find out if you are eligible for Project Loan without impacting your credit score, although you will see an inquiry on your credit report.

The first step of the application process, prequalification, will not affect your credit score. If you choose to complete step two of the application to get fully approved, a full credit check is required and your score may be impacted.

The Home Depot Project Loan Card is a virtual shopping card you can use to shop at any Home Depot location, online at homedepot.ca or with select Home Depot Home Services.

• To shop in-store, use the Project Loan Card barcode on your smartphone to pay for your purchase at checkout
• To shop online at homedepot.ca and/or select Home Services, use your Project Loan card number, expiry date and CCV code at checkout

You can also order a physical Project Loan Card which is Chip and Pin enabled.

Important: For security purposes, the barcode for your Project Loan Card will refresh every 24 hours or after every purchase.

You can use your Project Loan Card to purchase any product or service sold by Home Depot Canada in-stores, online at homedepot.ca or for select Home Services.

Note: You cannot purchase gift cards with your Project Loan Card.

Yes. You can use your Project Loan Card for select Home Services at The Home Depot Canada. Not valid with Local Pros.

You can start using your Project Loan Card as soon as your loan agreement is signed.

The Shopping Period is six months long, which begins when your loan agreement is signed. After the Shopping Period ends, your monthly installment payments start, which will be automatically withdrawn from your associated chequing account.

No. Co-applications are not supported at this time.

Yes. If you finish shopping before the 6 month Shopping Period ends, you can start making monthly installment payments by calling Home Depot Project Loan at 1-866-207-3933 or accessing the Project Loan Portal.

No. The Project Loan Card is a dedicated co-branded card exclusively to be used at The Home Depot Canada. You can use the card on any purchases in-stores, online and for select Home Services.

To order a physical Project Loan Card, log in to your Home Depot Project Loan Portal and click Order a physical card.

Important: If you order a physical Project Loan Card, you can no longer use the virtual version of your Project Loan Card on your smartphone.

If you lose your physical Home Depot Project Loan card, call Home Depot Project Loan at 1-866-207-3933.

Monthly installment payments start six months from the signing of your loan agreement.

The Home Depot Project Loan terms are as follows:

Yes. You can make early or extra payments, or pay off your balance in full without penalty. You can only make extra or early payments after your shopping period ends.

For instructions about how to make early or extra payments, log in to your Home Depot Project Loan dashboard.

Any extra payments made will be applied to the principal, which will not impact the monthly withdrawal from your associated chequing account, however, the payment period is reduced accordingly.

Before making early or extra payments, you must end your shopping period. To end your shopping period early, call us at 1-866-207-3933.

For instructions about how to make early or extra payments, log in to your Home Depot Project Loan dashboard.

A credit will be issued to your account in the amount of the return. Your monthly payment requirement will remain unchanged.

You can apply for a second Project Loan for additional purchases you wish to make after the initial 6 month Shopping Period has ended.

Visit the Pro Desk at your local Home Depot store to apply.

You can also apply online and receive an answer in as little as 45 seconds. Please note that omitting requested items may delay processing. For your protection, your application information will be encrypted. The application is subject to credit approval.

A co-applicant is required if a commercial credit bureau is not found, or if it is insufficient and the company has not been in business for at least two years. An exception may be made for an applicant that is a subsidiary of an established company that meets underwriting criteria. A business owner can be the co-applicant.

Yes, all purchases made on your Home Depot^® Commercial Revolving Card or Home Depot^® Commercial Account are itemized on your monthly billing statement. You can also track by purchase order, job name, job number or buyer name — the choice is yours.

• View and download statements dated within the last 12 months
• Report a missing payment or refund
• Request the following:
  • Reset your password
  • Billing and mailing address changes
  • Credit limit increases
  • Replacement cards
  • Credit balance refunds
  • Terms and conditions of your account

The Home Depot® does not offer discounts on purchases made with The Home Depot® Commercial Revolving Card or The Home Depot® Commercial Account. However, Pro Xtra Members can get an extra 1% in Quarterly Rewards when you link your Home Depot Commercial Credit Card. Plus, 365-day return period on your Home Depot purchases.