To get the loan consumers are asked for the first payment in advance, if they agree to that they have then been asked for additional payments to cover "taxes" and "personal delivery".
Os ydyn nhw'n cytuno gwneud hynny gofynnir iddyn nhw am daliadau ychwanegol ar gyfer 'trethi' ac i ddanfon yr arian atyn nhw'n bersonol.