Harbor Freight's Tool Lending Library: What You Need To Know

Harbor Freight is America's largest tool retailer, with over 1500 locations across the country. The company was founded in 1977 and has since grown to serve over 75 million customers. Harbor Freight offers a vast selection of tools and products, including automotive, air, and power tools, as well as storage solutions and outdoor equipment. In addition to their extensive inventory, they also provide credit options and financing solutions for large purchases. Customers can apply for a Harbor Freight credit card, which offers discounts, rewards, and special financing options. With flexible terms and benefits, the company aims to make tool purchases more accessible and affordable for both personal and business buyers.

Harbor Freight offers credit options and financing for large purchases

Harbor Freight provides credit options and financing for large purchases, offering consumer and commercial credit cards with flexible terms and benefits. The Harbor Freight consumer credit card gives you discounts and rewards on your tool and equipment purchases. You can earn 5% back in Harbor Freight money on every purchase, receiving $5 for every 500 points. Additionally, you get 10% off your entire first purchase when you open an account. The consumer credit card can be used at any Harbor Freight store or online, and it provides recurring discounts along with one-time percent-off coupons.

The Harbor Freight commercial credit account is designed for businesses and offers benefits such as net 30-day terms with payment by invoice, itemized transactions and reporting, and online account management.

To apply for a Harbor Freight credit card, you can submit an online application on the Harbor Freight website and receive a quick credit decision. Once approved, you can start enjoying the benefits of the card, including exclusive offers, discounts, and rewards on tools and equipment.

It's important to note that the offers are subject to credit approval and cannot be combined. The monthly payment is calculated by dividing the total purchase price, including taxes and shipping, by the number of months in the promotional period or equal pay period, and late fees may be charged for missed payments.

The company provides consumer and commercial credit cards with flexible terms

Harbor Freight Tools provides consumer and commercial credit cards with flexible financing options. The consumer credit card offers a one-time 10% discount on the first purchase made with the card, excluding shipping and handling. Cardholders can earn 5 reward points for every dollar spent on net purchases, and these points can be redeemed for Harbor Freight Money. The Harbor Freight Commercial Account card, on the other hand, is designed for business purchases and is issued and managed by TreviPay. It offers businesses, governments, schools, and agencies a convenient way to make large or multiple purchases throughout the year.

The Harbor Freight Credit Card provides customers with a range of benefits and incentives. For instance, cardholders can take advantage of limited-time offers, such as earning a bonus of $20 in Harbor Freight Money when they open a new account and use their card within 90 days. Additionally, cardholders can earn 5% back on all their purchases, which can add up to significant savings over time.

One notable feature of the Harbor Freight Credit Card is the equal pay option. This option allows cardholders to divide the total purchase price, including taxes and shipping, into equal monthly payments over a specified period. This flexibility can be particularly useful for managing larger purchases. However, it is important to note that choosing the equal pay option may result in forfeiting certain discounts or promotional offers associated with the card.

The Harbor Freight Credit Card also comes with certain terms and conditions that cardholders should be aware of. For instance, late fees and interest charges may apply if monthly payments are not made on time. Additionally, the card has a variable purchase APR of 31.74% and a variable penalty APR of 39.99%, which can impact the overall cost of carrying a balance on the card.

Overall, the Harbor Freight consumer and commercial credit cards offer flexible financing options and rewards that can benefit both individual consumers and businesses. With the potential for earning rewards and taking advantage of promotional offers, the Harbor Freight Credit Card can be a valuable tool for managing purchases, especially for those who frequently shop at Harbor Freight.

Customers can earn 5% back in Harbor Freight money on every purchase

Harbor Freight is a US-based tool retailer with over 1500 locations across the country. The company offers a range of ways for customers to save money, including its Inside Track Club, which provides members with exclusive discounts, early access to sales, and member-only deals.

One of the most prominent ways that customers can save money at Harbor Freight is by signing up for a Harbor Freight Tools Credit Card. This credit card offers customers a one-time 10% discount on their first purchase, excluding shipping and handling. The card also provides customers with the opportunity to earn 5% back in Harbor Freight money on every purchase. For each dollar spent on net purchases, cardholders earn five reward points, and for every 500 points earned, customers receive $5 in Harbor Freight Money. This works out to be 1% back in rewards for every net dollar spent. This money can be used in conjunction with other coupons and discounts, providing a great way for customers to save on their tool purchases.

It is important to note that equal pay purchases and the 10% discount do not earn reward points. Additionally, Harbor Freight Money cannot be used for online purchases at this time. Customers can also earn a bonus of $20 in Harbor Freight Money when they open a new account and use their card within 90 days.

The Harbor Freight consumer credit card offers 10% off your first purchase

Harbor Freight is America's top tool retailer, with over 1500 locations across the country. The company was founded in 1977 by Eric Smidt and has since grown to offer over 7500 quality tools and products. Harbor Freight is committed to providing quality tools at the lowest prices, and one way they do this is by working directly with factories and bypassing the middleman.

To make their tools even more accessible, Harbor Freight offers a consumer credit card with flexible terms and benefits. The Harbor Freight consumer credit card offers 10% off your first purchase, as well as 5% back in Harbor Freight money on every subsequent purchase. This means that for every $1 spent, you earn 5 reward points, and for every 500 points earned, you receive $5 in Harbor Freight money.

The consumer credit card can be used at any Harbor Freight store or online and provides recurring discounts and one-time percent-off coupons. In addition, there are special financing options available, such as no interest if paid in full within 6, 12, or 18 months.

It is important to note that offers are subject to credit approval and cannot be combined. The 10% off discount also does not earn reward points, and Harbor Freight reserves the right to discontinue or alter the terms of these offers at any time.

You can apply for a Harbor Freight credit card online

Yes, you can apply for a Harbor Freight credit card online. Applying for a new Harbor Freight Tools Credit Card is simple and offers many benefits.

Firstly, you will need to meet the credit approval requirements. You can preview your credit limit with no impact on your credit score. If prequalified, you can see your credit limit and complete your application in a few minutes.

Once approved, you will receive a one-time 10% discount on your first purchase with the card. This excludes shipping and handling and cannot be combined with earning reward points. You will also earn 5 reward points for every $1 spent on net purchases, excluding equal pay purchases. For every 500 points earned, you will receive $5 in Harbor Freight Money certificates. These certificates can be used in-store and combined with other coupons and discounts.

The Harbor Freight Credit Card offers promotional financing with equal monthly payments and no interest charged. However, late payments may result in late fees and assessed interest.

You can apply for the Harbor Freight Credit Card online or at any of their 1500+ stores across the nation.

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