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.
Cancelling a loan or credit agreement
Find out if your credit agreement is covered by the Consumer Credit Act 1974 and your rights if you want to cancel it.
Paying off a credit agreement early
Find out if your credit agreement is covered by the Consumer Credit Act 1974 and how to pay it off early.
Awgrymiadau ar gyfer benthyg
Top tips for borrowing money, taking out a loan or using a credit card.