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Locate a Toro seller near you | Zip Money

Toro

Zip Money. Make it easier to pay for big purchases. Apply for up to $50,000 and 60 months interest free*

4.9App store rating

Locate a Toro seller near you

How to apply to Zip Money

  • How Zip Money works

    • Credit limits from $1,000 - 50,000*

    • Interest free instalments from 3 months to 60 months*

    • No balance, no monthly account fee. Otherwise you’ll pay $9.95.

    • One-off establishment fee up to $99 may apply

    • Repay early at any stage with no penalty

  • What you'll need to apply

    • Your mobile number, personal email and employment details

    • Your residential details

    • Your online banking login to verify your income

    • Your passport, driver licence or medicare details

How to take your purchases home

  • Visit the store

    Select the product you want to purchase

  • Confirm interest free period

    Ask the store to check your total cost and interest free period

  • Checkout with Zip Money

    You’ll pay nothing on the day you make your purchase

  • Set and track repayments

    Manage your repayments in the app

We're here for you

  • We're local

    Zip is Australian owned and founded.

  • We're here to help

    Talk to our Sydney-based customer service 6 days a week

  • We’re almost everywhere

    Shop online and instore at over 58,000 Zip partners

Frequently Asked Questions

  • Applications take around 5 minutes to complete. Make sure you have your online banking login details, proof of identity and employment information handy to help with a speedy application. Most applications are decided within the same business day, however applications submitted on weekends or that require further information may take longer.

  • When applying direct with Zip.co you can apply for up to $5,000 with Zip Money, every purchase you make will automatically come with 3 months interest free on repayments*.

    If you are looking to make a specific purchase via one of our retailer partners you may be able to apply for credit limits up to $50,000 and receive up to 60 months interest free*. Use the calculator at the top of this page to find out if the merchant you are shopping with has extended interest free terms.

  • Repayments are automatically direct debited from the payment method that you added when you created the account. You can change the payment method at any time and the frequency of your payments to weekly, fortnightly or monthly as long as you're covering the minimum monthly repayments. Choose what works best for you.
  • If you return goods to a retailer and they agree to a refund, your Zip account will be credited with the agreed refund amount. The funds will then be put towards your owing balance or depending on the refund amount your account may be placed in credit.

References

  • * Zip Money Instalments: Available to approved applicants only and subject to completion of satisfactory credit check upon application. Instalment plan splits eligible purchases of $300 and above into equal repayments within the interest free period. A monthly account fee of $9.95 applies and a one off establishment fee may apply for new customers. Additional charges may apply, see T&Cs. Under the contract, minimum monthly repayments are required and will vary depending on your credit limit. If you turn off instalments, all future transactions will be reverted to the minimum monthly repayment. Paying only the minimum monthly repayment amount will generally not repay out the purchase within the interest free period. Any balance outstanding at the expiry of the interest free period will be charged at the applicable standard variable interest rate of 25.9% per annum, as at 1 June 2023. Interest, fees and charges are subject to change. Terms & Conditions apply and are available on application. See your contract for further details. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993, Australian Credit Licence Number 441878).