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.

• Pay in 4: Four interest-free payments every two weeks for qualifying U.S. orders from $50 to $999.99.

• 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:

• Pay in 4: Split your purchase into four interest-free payments, generally every two weeks. A higher initial payment may be required.

• 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:

• Shop Pay Installments support through Affirm

• Klarna customer support

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.

Last updated: October 20, 2026

At Bike Lover USA, we offer free standard shipping and clear delivery estimates so you know what to expect when ordering.

1. Shipping Coverage

We ship within the 48 contiguous United States.

We do not currently ship to:

• Alaska or Hawaii.

• P.O. boxes.

• APO/FPO addresses.

• International destinations.

2. Shipping Cost

Standard shipping is FREE on all orders delivered within the 48 contiguous United States. No minimum purchase is required.

Free shipping applies to the original delivery. Return shipping costs are addressed separately in our Return and Refund Policy.

3. Order Processing

Order cutoff: 3:00 PM Eastern Time, Monday–Friday, excluding holidays.

Orders placed before the cutoff generally begin processing the same business day. Orders placed after the cutoff, on weekends, or on holidays generally begin processing the next business day. Beginning processing does not mean the order ships that day.

Estimated handling time: 3–5 business days.

Handling includes order review, supplier coordination, packaging, and shipment preparation.

4. Delivery Estimates

Estimated transit time after shipment: 3–7 business days.

Estimated total delivery time: 6–12 business days, including handling and transit.

Business days are Monday–Friday, excluding holidays.

Delivery estimates are not guaranteed dates. Timing may vary due to product availability, carrier operations, weather, delivery location, or freight scheduling. Please review any product-specific shipping information before ordering.

5. Shipping Carriers

Orders may ship through UPS, FedEx, or freight delivery providers for oversized items.

The carrier and shipping method depend on the product and delivery destination.

6. Freight Deliveries

Larger products may ship by freight. The carrier may contact you using the phone number provided at checkout to arrange a delivery appointment.

Please provide an accurate phone number and monitor carrier communications to help avoid delivery delays.

Freight deliveries are generally curbside or to the nearest accessible delivery point, subject to carrier access and service arrangements. Inside delivery, assembly, and unpacking are not included in standard shipping.

If your location has limited truck access or other delivery restrictions, contact us before ordering so we can confirm available arrangements.

7. Order Tracking

Once your order ships, we will send a shipping confirmation email with tracking information to the email address provided at checkout.

Please allow approximately 24–48 hours for tracking updates to appear on the carrier’s website.

If you have not received tracking information after the estimated handling period, contact sales@bikeloverusa.com for assistance.

8. Damaged, Defective, or Incorrect Deliveries

Please inspect your delivery upon arrival whenever possible.

If you notice visible shipping damage:

• Note the damage with the carrier whenever possible.

• Take clear photos of the packaging and product before assembly or use.

• Keep the packaging and included components while the issue is reviewed.

• Contact sales@bikeloverusa.com promptly, preferably within 48 hours of delivery.

If damage becomes apparent later, contact us as soon as you discover it so we can review the situation.

Include your order number, a description of the issue, and relevant photos when available.

If an item arrives defective or different from what you ordered, contact us promptly using the same process.

We will review the issue and work with you and the manufacturer or supplier to determine an appropriate resolution. This may include replacement parts, repair, replacement, or an authorized return.

Return shipping costs may be covered, and restocking fees may be waived, depending on the circumstances and applicable manufacturer or supplier arrangements. Any proposed return shipping charges and restocking fees will be confirmed before you send the item back.

Please obtain return authorization before returning any product. See our Return and Refund Policy for additional details. Nothing in this policy limits rights or remedies available under applicable law.

9. Delayed or Missing Shipments

If tracking shows an unexpected delay or your shipment appears to be missing, contact sales@bikeloverusa.com with your order number and tracking information.

If tracking shows delivery but you cannot locate the package, check the delivery area and with other members of your household, then contact us promptly. We will review the available information and coordinate with the carrier or supplier as appropriate.

10. Shipping Address Accuracy

Please review your shipping address, email address, and phone number carefully before completing checkout.

If you notice an error, contact us immediately. Address changes are not guaranteed once processing or shipment has begun.

Incorrect or incomplete shipping information may cause delays or prevent delivery. If additional carrier charges apply to a requested address correction or redelivery, we will explain the available options and charges before proceeding.

11. Contact Information

Bike Lover USA

Website: bikeloverusa.com
Email: sales@bikeloverusa.com
Phone: 845-237-0853

Business hours:
Monday–Friday | 9:00 AM–5:00 PM Eastern Time

Administrative office:
3979 Albany Post Road, Ste. 2, Unit #2470
Hyde Park, NY 12538
United States

Our administrative office is not a return facility. Please contact us for return authorization and the correct return address.