Flexible Payments for Your Next Ride
Get the ride you want with a payment plan that fits your budget. Bike Lover USA offers Shop Pay Installments and Klarna, giving eligible customers the option to spread the cost of electric bikes, scooters, electric dirt bikes, and more over time.
Choose your ride, explore the available payment options at checkout, and review your terms before placing your order.
Choose How You Pay
Shop Pay Installments
Shop Pay Installments, powered by Affirm, offers payment plans for eligible purchases.
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Pay in 4: Four interest-free payments every two weeks for qualifying U.S. orders from $50 to $999.99.
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Monthly payments: Available for qualifying U.S. orders from $150 to $30,000, subject to approval. Rates range from 0%–36% APR.
Your available plans, payment amounts, and total cost are displayed before you confirm. A down payment may be required.
Klarna
Select Klarna at checkout to see the payment options available for your purchase.
Depending on your order and eligibility, options may include:
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Pay in 4: Split your purchase into four interest-free payments, generally every two weeks. A higher initial payment may be required.
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Pay over time: Spread the cost into monthly payments when offered. Interest may apply.
Klarna determines approval and available plans. Review your payment schedule, interest, and any applicable fees before accepting.
How It Works
1. Find Your Ride
Choose your model and options, then add it to your cart.
2. Choose Your Payment Provider
For Shop Pay Installments, select Shop Pay, then choose to pay in installments. For Klarna, select Klarna from the available payment methods.
3. Review Your Options
Follow the provider’s prompts to see available plans. Check the amount due today, future payments, and total cost.
4. Complete Your Purchase
Accept your chosen plan and place your order. Your order will ship according to the product’s availability and our shipping policy.
Frequently Asked Questions
Is financing available for every customer?
Approval is determined by Affirm or Klarna. Available plans depend on your purchase amount, location, and eligibility. Bike Lover USA cannot guarantee approval.
Are all payment plans interest-free?
No. Qualifying Pay in 4 plans are interest-free, while monthly plans may include interest. Klarna may charge applicable fees, including late fees. Always review the terms of your selected plan.
Will this affect my credit?
Credit checks and reporting depend on the provider and payment plan. Using financing and your repayment history may affect your credit. Review the provider’s credit disclosures before accepting.
Do I have to finish paying before my order ships?
You do not need to pay off your installment plan before shipment. Once your order and payment are approved, normal product availability, processing, and shipping timelines apply.
Where do I manage my payments?
Manage Shop Pay Installments through Affirm and Klarna payments through your Klarna account or app.
Who should I contact for help?
Contact Bike Lover USA for product selection, order updates, shipping, or returns. For payment schedules, billing, or financing questions, contact your payment provider:
Find Your Ride. Explore Your Payment Options.
Shop All Rides and view available payment plans at checkout.
Payment options are subject to eligibility and approval. Available terms vary by provider, purchase, and customer. The terms presented when you accept your payment plan govern your agreement.