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.

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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.

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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.

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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.

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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.

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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.

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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.

Last updated: May 7, 2026

At Bike Lovers USA, we aim to provide clear and transparent shipping information for all orders placed through our website.

Shipping Coverage

Domestic Shipping

We currently ship within the 48 contiguous United States.

Shipping Exclusions

At this time, we do not ship to:

• Alaska
• Hawaii
• P.O. Boxes
• APO/FPO addresses
• International destinations

Shipping Cost

Standard Shipping

Free standard shipping is available on eligible orders shipped within the 48 contiguous United States.

Shipping availability may vary depending on product type, size, weight, or delivery location.

Order Processing Time

Order Cut-Off Time

Orders placed before 3:00 PM EST (GMT-05:00) on business days begin processing the same business day.

Orders placed after the cut-off time, on weekends, or on holidays will begin processing on the next business day.

Handling Time

Estimated handling time is

• 3–5 business days
• Business days: Monday through Friday

Handling time includes order review, processing, packaging, and shipment preparation.

Transit Time

Estimated delivery transit time is:

• 3–7 business days
• Business days: Monday through Friday

Transit times are estimates only and may vary depending on carrier operations, weather conditions, product availability, or delivery location.

Total Estimated Delivery Time

Estimated total delivery time:

• 6–12 business days

Delivery estimates are provided for informational purposes and are not guaranteed delivery dates.

Shipping Carriers

Orders may be shipped using carriers including

• FedEx
• UPS
• Freight delivery providers for oversized items

Carrier selection may vary depending on the product and destination.

Freight Deliveries

Certain oversized products, including large bicycle-related items, may ship through freight carriers.

Delivery Appointments

For freight shipments, the carrier may contact the customer using the phone number provided at checkout to arrange delivery scheduling.

Curbside Delivery

Freight shipments are generally delivered to the curbside or nearest accessible delivery point. Drivers are not authorized to enter residences or assemble products.

Order Tracking

Once an order ships, a shipping confirmation email with tracking information will be sent to the email address provided during checkout.

Tracking updates may require 24–48 hours to appear on the carrier’s website.

Damaged or Missing Shipments

Customers should inspect packages upon delivery.

If a shipment arrives visibly damaged:

• Refuse the delivery when possible if the packaging appears significantly damaged.
• If damage is identified after delivery, contact us within 48 hours of receiving the order.

Please include:

• Order number
• Photos of the packaging
• Photos of the product

Claims submitted after the reporting window may not qualify for review.

Incorrect Shipping Information

Customers are responsible for providing accurate shipping information during checkout.

Bike Lovers USA is not responsible for delays or delivery issues caused by incorrect or incomplete shipping details provided by the customer.

Contact Information

Bike Lovers USA

Email: sales@bikeloverusa.com
Phone: +1 (845) 237-0853

Business Hours:
Monday – Friday | 9:00 AM – 5:00 PM EST

Business Address:
3979 Albany Post Road, Ste. 2, Unit #2470
Hyde Park, NY 12528
United States