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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 up to 60 months interest free terms available*.

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*

    • Flexible repayments from $10/week

    • 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*.

    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: The interest free period is the maximum period of time when no interest is charged on the purchase. The availability of the interest free period for a purchase will depend on the purchase amount, the minimum monthly repayment and account status. Minimum monthly repayments are required and vary according to credit limit. Minimum monthly repayments may require repayment of the purchase prior to the expiry of the maximum interest free period. In other cases, paying only the minimum monthly repayment may not repay the purchase in the interest free period. Any purchase amount outstanding at the expiry of the interest free period will be charged at the standard variable interest rate, 25.9% per annum, as at 1 June 2023. Zip Money is available to approved applicants and subject to completion of a satisfactory credit assessment. A monthly account fee of $9.95 applies and a one-off establishment fee may apply for new customers. Other charges may be payable, see T&Cs. Interest, fees and charges are subject to change. Terms and Conditions apply and are available on application. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878.