Financing - Shop Pay

At Bike Lover USA, we make it easier to invest in quality bikes and cycling gear without paying everything upfront. With Shop Pay Installments, you can split your purchase into manageable payments while getting your gear right away.

This option is built for convenience, transparency, and flexibility—so you can focus on riding, not waiting.

What Is Shop Pay Installments?

Shop Pay Installments is a payment option available at checkout that lets you divide your purchase into either:

  • 4 interest-free payments every 2 weeks, or

  • Monthly installments for qualifying orders (interest may apply based on approval)

All available plans are shown clearly before you complete your purchase.

How It Works

1. Add Items to Your Cart
Choose your bike, accessories, or gear and proceed to checkout.

2. Select Shop Pay
Choose Shop Pay as your payment method and log in or create a Shop Pay account.

3. Choose Your Payment Plan
Select the installment option that fits your budget. Your payment schedule and total cost are displayed upfront.

4. Complete Checkout
Review everything and place your order. No hidden fees. No surprises.

Why Use Shop Pay Installments?

Flexible Payments
Spread the cost over time while enjoying your purchase immediately.

Interest-Free Option Available
Most qualifying orders are eligible for 4 interest-free bi-weekly payments.

Fast Decisions
Approval takes seconds with no lengthy application process.

No Credit Impact for 4-Pay Plan
Choosing the 4-payment option does not affect your credit score.

Secure Checkout
Shop Pay uses industry-leading security to protect your payment information.

Eligibility

Shop Pay Installments is available for:

  • Customers located in the United States

  • Orders between $50 and $20,000

  • Customers using Shop Pay with a valid U.S. debit or credit card

Eligibility and available plans may vary by product and customer profile.

Common Questions

Are there interest or fees?
The 4-payment bi-weekly plan has no interest and no fees.
Monthly installment plans may include interest depending on approval terms shown at checkout.

Will this affect my credit score?
The 4-payment option does not impact your credit score.
Some monthly plans may involve a credit check, which is disclosed before you confirm.

Can I pay off my balance early?
Yes. Early payoff is allowed at any time with no penalties.

Who handles payments?
All installment payments are managed directly by Shop Pay.
For order, shipping, or product questions, contact Bike Lover USA.
For billing or payment issues, contact Shop Pay Installments Support.

Flexible Payments. Clear Terms. No Pressure.

Shop Pay Installments gives you more control over how you pay—without compromising transparency or security.

Ride now. Pay over time. Enjoy the journey.