Skip to main content Skip to search

Terms And Conditions – Tyro EOFY Lending Promotion

  1. Terms
    1. These terms and conditions govern the Tyro’s EOFY Lending Promotion (Offer).
    2. These Offer terms are to be read in conjunction with:
      1. Tyro’s General Terms and Conditions  (General Terms);
      2. the Tyro Flexi Loan Terms and Conditions  (Flexi Loan Terms); and
      3. the Tyro Business Loan Terms and Conditions  (Business Loan Terms),
        together, the Loan Terms.
    3. If there is any inconsistency between these Offer terms and the Loan Terms, the documents apply in the following order:
      1. these Offer terms (but only to the extent of the Offer);
      2. the relevant loan terms and the Loan Summary for your loan; then
      3. the General Terms.
    4. If there is any inconsistency between these Offer terms and any advertising or marketing material relating to the Offer, these Offer terms prevail.
  2. Definitions
    1. Capitalised terms used but not defined in these Offer terms have the meaning given to them in the Loan Terms.
    2. In these Offer terms:
      1. Cashback Amount  means the cashback amount payable under this Offer as set out in clause 5.
      2. Eligible Loan  means a Tyro Flexi Loan or Tyro Business Loan that is (i) approved by Tyro, and (ii) the Loan Principal is disbursed to you, during the Offer Period.
      3. Loan Principal  means the principal amount advanced to you under an Eligible Loan (excluding any Loan Fee).
      4. Loan Fee  means the loan fee shown in the Loan Summary for the Eligible Loan.
      5. Maturity  means the Total Repayment Amount for an Eligible Loan being repaid in full in accordance with the applicable Loan Terms.
      6. New   Borrower  means a Tyro customer who has never previously entered into a Tyro Business Loan or Tyro Flexi Loan before the Start Date (as determined by Tyro’s records).
      7. Offer Period  has the meaning given in clause 3.
      8. Third Party Bank Account  means the bank account held with a third-party Australian bank, nominated by you to Tyro as the third party account for the purposes of debiting fees and/or receiving settlements.
      9. In these Offer terms, “you” and “your” refers to the person(s) who apply for, and are provided with, an Eligible Loan.
  3. Offer Period
    1. This Offer commences on 2 March 2026 (Sydney time) ( Start Date ).
    2. This Offer ends at 11:59pm (Sydney time) on 30 June 2026 ( End Date ).
    3. The  Offer Period  is the period commencing on the Start Date and ending on the End Date.
  4. Eligibility
    1. To be eligible for this Offer, you must satisfy all of the following eligibility criteria ( Eligibility Criteria ):
      1. during the Offer Period, you enter into an Eligible Loan;
      2. you are a New Borrower; and
      3. you have a Third Party Bank Account able to receive the Cashback Amount at the time the Cashback Amount is paid.
      4. A Cashback Amount is only payable once per New Borrower under this Offer.
    2. Tyro may determine, acting reasonably, whether or not the Eligibility Criteria are met.
  5. Cashback Amounts (tiered)
      1. If you satisfy the Eligibility Criteria, you will be entitled to a Cashback Amount for each Eligible Loan in accordance with the Tier applicable to the Loan Principal as set out in the table below:

    Tier
    Loan Principal
    Cashback Amount
    Tier 1 below $5,000 100% of the Loan Fee shown in your Loan Summary for that Eligible Loan
    Tier 2 $5,000 to < $20,000 the lower of the Loan Fee shown in your Loan Summary for that Eligible Loan and $450
    Tier 3 $20,000 to < $40,000 the lower of the Loan Fee shown in your Loan Summary for that Eligible Loan and $600
    Tier 4 $40,000 to < $60,000 the lower of the Loan Fee shown in your Loan Summary for that Eligible Loan and $800
    Tier 5 $60,000 and above the lower of the Loan Fee shown in your Loan Summary for that Eligible Loan and $1,000
      1. The Cashback Amount is a promotional benefit paid by Tyro and does not change your repayment obligations or the amounts payable under your loan contract (including the Loan Fee shown in your Loan Summary).
  6. When the Cashback Amount is paid
    1. The Cashback Amount is paid to your Third Party Bank Account. You are responsible for ensuring your Third Party Bank Account details are correct, up to date and have been notified to Tyro before the Cashback Amount is payable.
    2. The Cashback Amount is only payable once the Eligible Loan reaches Maturity.
    3. Where an Eligible Loan reaches Maturity, the Cashback Amount will be processed monthly as follows:
      1. repayment cut‑off: 11:59pm (Sydney time) on the last calendar day of the month; and
      2. A Cashback Amount for Eligible Loans that reach Maturity in a calendar month will be processed and paid on or before the last Business Day of the following calendar month (Sydney time).
    4. If your Eligible Loan reaches Maturity after the repayment cut‑off in clause 6.3(a), it will be treated as reaching Maturity in the following calendar month for the purposes of clause 6.3(b).
    5. If Tyro is unable to process the Cashback Amount on the scheduled processing day due to a system or operational issue outside Tyro’s reasonable control, Tyro will process the Cashback Amount as soon as reasonably practicable.
  7. When the Cashback Amount will not be paid
    1. Tyro may refuse to pay the Cashback Amount, or may recover a Cashback Amount already paid, if:
      1. Tyro reasonably determines you did not meet the Eligibility Criteria;
      2. an Eligible Loan is cancelled, unwound, reversed or otherwise determined not to have been validly originated;
      3. Tyro reasonably suspects fraud, dishonesty, unlawful conduct or misuse of the Offer; or
      4. the Cashback Amount is paid due to a processing or system error.
  8. Not in conjunction with other offers
    1. Unless Tyro expressly states otherwise, this Offer is not available in conjunction with any other Tyro lending promotion or cashback/discount offer.
  9. Tax
    1. Tyro does not provide tax advice. Any tax outcomes (including EOFY deductions) depend on your circumstances and applicable tax laws. You should seek independent financial, accounting and taxation advice if required.
  10. Changes, suspension or withdrawal
    1. Tyro may vary, suspend or withdraw this Offer for future Eligible Loans during the Offer Period, subject to applicable law.
  11. Governing law
    1. These Offer terms are governed by the laws of New South Wales, Australia.