Households who are declined lending are five times more likely to have a loan with either an illegal lender, a doorstep lender, a payday lender or a pawn shop.
Mae aelwydydd y gwrthodir benthyciad iddynt bum gwaith yn fwy tebygol o gael benthyciad naill ai gan fenthyciwr anghyfreithlon, benthyciwr stepen y drws, benthyciwr diwrnod cyflog neu siop wystl.