Kyle Pohl passed for 259 yards and three touchdowns as the Zips (5-7, 4-4 Mid-American Conference) closed the season with three straight wins.
Toledo (7-5, 5-3), previously knocked out of the Mid-American race, was hoping to improve its bowl chances with eight wins. Terrance Owens answered Pohl with two scores in the final 5:37, hitting Bernard Reedy from the 28, and guiding a 10-play drive capped by a Marc Remy run from the 3 with 59 seconds left before Cheek and Pratt saved the win.
The Zips trailed 7-0 and 10-7 early, but after three unanswered scores led 24-10 in the third quarter. After Toledo lost the ball on downs in the fourth, Pohl fired a 35-yarder and a 31-17 lead.
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Ole Miss will get a chance to prove itself in the early going when it faces Dalvin Cook and a loaded Florida State team in Week 1.
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Texas Tech has a challenging schedule again this season, but some of the Red Raiders' toughest games will be at home.