Enjoy convenient monthly payments*

To create the perfect outdoor space—and keep it looking great—you need the right equipment.

See if you prequalify

Enjoy even more benefits

    Use The Toro Company credit card to get the tools and supplies you need now for a picture-book landscape the whole year through.

  • Get a financing solution for commercial or residential equipment available through authorized dealers and online
  • Promotional financing options available at the time of purchase may vary by location. You can find the closest location by using the dealer locator on one of our product brand websites: Toro, Exmark, Z Turf Equipment, and Spartan for dealers.
  • Easy to apply with a quick decision
  • Dedicated credit limit for your purchases
  • Pay over time with convenient monthly payments
  • Online account management with anywhere, anytime access
  • No annual fee**
See if you prequalifyApply

Cardholder tools & resources

Take a look at all the ways we support cardholders

Pay without signing in

Use any connected device to make secure, same-day payments without logging in.
  Enable pay without sign-in

Go digital with eBill

Make paper clutter a thing of the past with fast, secure, 24/7 digital account management. Enroll in eBill

Download the mobile app

Manage many of your credit cards issued by Synchrony from the palm of your hand.

Keep up with your credit score

View, track, and learn how to improve your score with our free credit score program.

Get started with your credit score

Purchase optional Payment Security

The optional Payment Security product can provide payment protection for your Synchrony credit card when you need it most.*

Learn more about optional Payment Security

Request a credit limit increase

Keep your income information up to date, and see if you qualify for a boost in buying power.1

Log in to get started

Access your online account

Register your credit card account to access your account online and access other great features.

Register account

Never miss a payment

Sign in to your account to automatically pay all or part of your balance every month.
  Set up Autopay

FAQ

You have questions? We have answers.

The Toro Company offers a credit card through Synchrony Bank, with a revolving line of credit to use again and again. You can find the closest location by using the dealer locator on one of our product brand websites: Toro, Exmark, Z Turf Equipment and Spartan.

Consumers can apply for The Toro Company credit card online by clicking the Apply Now link above. Commercial customers can apply for The Toro company credit card by visiting one of our product brand locations: Toro, Exmark, Z Turf Equipment and Spartan.

To check your status of The Toro Company credit card account, click on the Manage My Account link above/below to go to the Synchrony Bank website. After signing in to your account, you will be able to:

  • Make or schedule a payment
  • View your balance
  • Update your account information

There are three convenient ways to pay your bill.

  • Pay Online: Click here to manage your account and make payments online.
  • Pay by Phone***: Contact Synchrony Bank Customer Service at 1-866-396-8254 during the hours listed below to make a payment by phone. Monday – Sunday, 7:30 a.m. to 12:00 a.m. (midnight) ET
  • Pay by Mail: Mail payments to the address below. Make sure you allow plenty of time for your payment to arrive prior to the due date.

Synchrony Bank

P.O. Box 960061

Orlando, FL 32896-0061

Access our contact information here.

*Subject to credit approval. Promotional financing offers available at the time of purchase may vary by dealer. For promotional financing details, see your local dealer.

**New Accounts as of 9/1/2026: Purchase APR is 34.99%. Penalty APR is 39.99%. Min Interest Charge $2. A $150 promo fee will be charged on equal payment no interest promotions and fixed payment reduced APR promotions of 18 months or more. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

***There may be an additional fee to make an expedited payment by phone.