Financing - Shop Pay

Shop Pay Installments – Ride Now, Pay Later

At Bike Lover USA, we believe everyone should be able to enjoy quality bikes and cycling gear—without having to wait. That’s why we offer Shop Pay Installments, a flexible payment option that allows you to split your purchase into easy payments over time.

Whether you’re upgrading your bike, buying accessories, or purchasing gear for your next adventure, Shop Pay makes it simple, fast, and affordable.

What Is Shop Pay Installments?

Shop Pay Installments is a secure payment plan option offered through Shop Pay, allowing you to break your purchase into 4 interest-free bi-weekly payments, or monthly installments for qualifying orders.

You can choose the plan that works best for you at checkout.

How It Works

1. Fill Your Cart

Add your favorite bikes, gear, or accessories to your cart.

2. Choose Shop Pay at Checkout

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

3. Select a Payment Plan

You can choose:

  • 4 interest-free payments every 2 weeks, or

  • Monthly installments (interest rates may apply depending on your credit profile).

Your available options will be shown instantly.

4. Complete Your Purchase

You’ll see a clear breakdown of your payments before checking out. No hidden fees, no surprises.

Benefits of Using Shop Pay Installments

✔ Flexible Payments

Spread your purchase over time without delaying your ride.

✔ Interest-Free Options

Most purchases qualify for 4 easy, interest-free bi-weekly payments.

✔ Fast Approval

Get a decision in seconds—no long forms or complicated steps.

✔ No Impact on Credit Score

Your credit score isn’t affected when choosing the 4-payment option.

✔ Secure Checkout

Shop Pay uses advanced encryption and security to protect your information.

Eligibility Requirements

Shop Pay Installments is currently available for:

  • Customers in the United States

  • Orders between $50–$20,000

  • Shopify Shop Pay users with a valid U.S. debit or credit card

Some products may qualify only for certain installment plans.

Frequently Asked Questions

Is there any interest or fees?

The 4-payment bi-weekly plan has no interest and no fees.
The monthly installment plan may include interest depending on your credit profile and loan terms shown at checkout.

Will using Shop Pay affect my credit score?

Choosing the 4-pay interest-free plan does not impact your credit score.
Certain long-term monthly plans may require a credit check, which will be shown before you finalize.

Can I pay off my balance early?

Yes! You can pay off your installments early at any time without penalties.

Who do I contact for payment issues?

For billing questions or payment updates, please contact Shop Pay Installments Support directly, as they manage all payments.
For order questions (shipping, product details, delivery), contact Bike Lover USA.

Start Shopping With Installments Today

Upgrade your ride today and enjoy flexible, secure payment options with Shop Pay Installments at Bike Lover USA.

Ride now. Pay later. Enjoy more