Pay Over Time with Shop Pay

At Belcopia, we want your next ride to fit your budget. When you check out with Shop Pay, you can split your purchase into payments over time through Shop Pay Installments, powered by Affirm. It is built right into checkout, so there is no separate application to fill out and no paperwork.

Your Payment Options

When you choose Shop Pay at checkout, you will see the options you qualify for. Depending on the order, these may include:

1. Pay in 4 — Split your purchase into 4 interest-free payments (0% APR), paid every 2 weeks, with no late fees.

2. Monthly payments — Spread a larger purchase over 3, 6, or 12 months. Interest may apply depending on your eligibility, and your exact rate and total are shown before you confirm, so there are no surprises.

How It Works

1. Add your bike and gear to the cart and head to checkout.
2. Choose Shop Pay as your payment method.
3. Select a payment schedule from the options you are offered.
4. Confirm your order — your first payment is collected at checkout, and the rest follow automatically.

Good to Know

• Eligibility, rates, and terms are determined by Shop Pay's lending partner, Affirm, and are subject to approval.
• Checking your options uses a soft credit check that does not affect your credit score.
• Pay in 4 is always interest-free with no late fees. Longer monthly plans may carry interest, always shown up front.
• Financing availability can depend on the order total and is subject to change.
• Once you check out, Shop Pay and Affirm handle your payments directly. Your full terms are provided at checkout.

For full details on rates and terms, see Shop Pay Installments.