Crossword Genius

A girl to make hay with? (5)

Ross

I believe the answer is:

toyah

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'a girl' is the definition.
I don't know anything about this answer so I cannot tell whether this works.

'to make hay with?' is the wordplay.
I cannot quite see how this works, but
'to' is found in the answer.
an anagram of 'hay' is 'yah' which is present in the answer.
This accounts for all the letters.
This explanation may well be incorrect...

Can you help me to learn more?

I've seen this clue in the Evening Standard.
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