I never looked at HD for financing----------See; I stick with my best friends (credit unions) and USAA. I got 4.5% through Pentagon in January and I think my credit unions are still fairly low. Open an account for $5 at these credit unions, stick with them for a while and reap the benefits. My life is managed by credit unions and usaa...........They are the only people on my credit report..savings, checking, "one" credit card, etc