Credit Unions provide these services and can be especially suitable for people unable to borrow money from other providers such as banks and building societies.
Mae Undebau Credyd yn cynnig y gwasanaethau hyn, a gallan nhw fod yn arbennig o addas i bobl sy’n methu â benthyca arian gan ddarparwyr eraill megis banciau a chymdeithasau adeiladau.