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Harbor Freight Payment Methods

The front of a Harbor Freight store.

Whether you’re buying tools for your own projects or plan to work on a project as a contractor, you can buy many types of tools at this discount hardware store. Its merchandise includes drills, saws, belt sanders, and cutting tools as well as auto parts. Here are the payment methods that you can use at Harbor Freight.

Popular Forms of Payment That You Can Use at Harbor Freight

Harbor Freight

Cash

Large Bills

Personal Checks

Debit Card

Credit Card

Apple Pay

Google Pay

UnionPay

JCB

PayPal

Venmo

In-store

Yes

  

Yes

Yes

Yes

Yes

 

Yes

No

No

Online

No

  

Yes

Yes

No

No

 

Yes

No

No

You can use common forms of payment such as debit cards and credit cards at this hardware store. Additionally, Harbor Freight accepts Apple Pay and Google Pay for in-store purchases because its stores have terminals that support contactless payments, although it doesn’t accept mobile wallets for online purchases. Unlike some other stores, this store doesn’t accept PayPal either.

It is worth mentioning that there are still some other hardware stores that don’t accept Apple Pay or other mobile wallets at all, though, so Harbor Freight comes out ahead in that area. Neither Walmart nor Home Depot accept Apple Pay. Additionally, you can use an international credit card from the JCB network to shop at Harbor Freight. That’s noteworthy because some shops that sell tools and auto parts don’t accept international credit cards.

Harbor Freight's accepted payment methods sticker.
Photo: Eric Novinson/This Is Accounting Automation

Even More Payment Options at Harbor Freight

Harbor Freight

Klarna

Affirm

Afterpay

Sezzle

Zip

PayPal

Credit

EBT

Store Gift Card

Store Credit Card

In-store

     

No

No

Yes

Yes

Online

No

No

No

Yes

No

No

No

Yes

Yes

If you want to use a buy now, pay later app at Harbor Freight you can use Sezzle there. This store doesn’t accept Klarna, Affirm, Afterpay, or Zip, though. And since it doesn’t take PayPal it can’t accept PayPal credit either.

This hardware store does have its own store credit card. The Harbor Freight credit card is issued by its partner Synchrony Bank. This bank also has partnerships with many other retail stores and also issues their branded credit cards as well.

More Things To Know About Harbor Freight

Harbor Freight is a big-box hardware store that’s best known for selling private-label tools and supplies for much lower prices than other hardware stores. Lots of contractors shop at this store to save money on tools. The company’s corporate headquarters is located in Calabasas near some of the other stores I wrote about and it has a lot of stores in Southern California. Many celebrities live in Calabasas and real estate there is expensive, which indicates that this is a very successful hardware store.

This hardware store also sells lots of auto parts and many of its closest competitors are specialized auto parts stores. You might want to know this if you own an auto shop or plan to buy parts to fix your car because you can also buy lots of low-priced auto parts at Harbor Freight.

Other Stores Where You Can Buy Tools and Auto Parts With Apple Pay

You can buy batteries and light bulbs at the specialized store Batteries Plus, including batteries and bulbs for many types of vehicles, but this store doesn’t sell many other products.

The hardware store cooperative Ace Hardware includes many independently operated hardware stores. These stores’ product selection varies depending on what products each store owner decides to stock.

Another association of independent hardware stores is Do-it Center. Again, individual franchise owners own these stores and decide what to stock. Stores in rural areas may also stock different products than stores in the suburbs.

The auto parts store O’Reilly Auto Parts sells auto maintenance products and supplies such as brake pads, motor oil, and windshield wiper fluid. Like Harbor Freight, it’s a useful place to visit if you plan to work on your car yourself.

You can also visit Advance Auto Parts to buy auto supplies such as car batteries, motor oil, and auto repair tools. Its stores are also designed for DIY customers.

Auto batteries, motor oil, repair tools, and other auto parts are also available at AutoZone. Like the other auto parts stores, this store would be useful to visit if you plan to repair your car yourself or you own an auto shop and need supplies to repair your customers’ cars.

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