Credit Unions provide access to affordable borrowing and can be especially suitable for people who have had credit issues in the past and find themselves unable to borrow from the mainstream lenders.
Maent hefyd yn addas iawn ar gyfer pobl sydd wedi wynebu anawsterau â chredyd yn y gorffennol, sy'n golygu nad oes modd iddynt fenthyca arian gan y benthycwyr mawr.