We also know that people in financially vulnerable circumstances who are excluded from mainstream finance can turn to unaffordable and illegal credit options.
Rydym hefyd yn gwybod y gall pobl sydd mewn amgylchiadau ariannol bregus sy'n cael eu heithrio o gyllid prif ffrwd droi at opsiynau credyd anfforddiadwy ac anghyfreithlon.