Trading Standards advice to anyone looking for a loan is to consider approaching a local Credit Union, which can offer a savings plan and loans at reasonable rates.
Mae Safonau Masnach yn cynghori unrhyw un sy'n chwilio am fenthyciad i ystyried cysylltu ag Undeb Credyd lleol, sy'n gallu cynnig cynlluniau cynilo arian a benthyciadau am brisiau rhesymol.