Neidio i’r cynnwys Neidio i’r troedyn

Borrowing money

Most people will need to borrow money at some stage to tide them over in an emergency, to buy larger items or to fund a special event. Before you borrow money, it's important to make sure you will be able to keep up the repayments, otherwise you could be taken to court and might even lose your home or other valuable possessions.

Find out about the different ways to borrow money, how to borrow sensibly and how to avoid some of the pitfalls of borrowing which can lead to problems with debt.

Cael y ddêl orau ar gredyd

Advice on getting a good best deal when borrowing money, including comparing credit products, costs involved, terms and conditions and checking whehter you can afford the repayments.

Sut mae benthycwyr yn penderfynu p’un ai i roi credyd i chi neu beidio

Information on credit scoring, credit rating, credit reference agencies and how they decide whether or not to give you credit.

County court judgments and your credit rating - overview

How to find out if a CCJ has been made against you and change or remove an entry in the Register of Judgments, Orders and Fines.

Eich hawliau pan ydych yn benthyg

The rights you have when you borrow money or take out credit including using a credit card, taking out a loan or a bank overdraft and buying goods on credit.

Awgrymiadau ar gyfer benthyg

Top tips for borrowing money, taking out a loan or using a credit card.