The challenge is that people on the lowest incomes are more likely to pay more for their credit, and to have more uneven credit histories so it’s becoming harder to access.
Yr her yw bod pobl ar yr incwm isaf yn fwy tebygol o dalu mwy am eu credyd, a bod eu hanes credyd yn fwy anghyson, gan ei gwneud yn anoddach i'w gael.