This can drive them towards high cost, short-term, inappropriate and illegal credit, which is often marketed in a way that understates the actual cost of repayments.
Gall hyn eu gyrru tuag at gredyd cost uchel, tymor byr, amhriodol ac anghyfreithlon, sy’n aml yn cael ei farchnata mewn ffordd sy’n tanddatgan cost wirioneddol ad-daliadau.