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Types of borrowing

There are lots of different ways to borrow money. Before borrowing it's a good idea to find out about the different options available so you can make a choice about which one is best for you.

Look at the following pages to find out more.

Cardiau plastig

Introductory information about the various types of plastic cards available, covering credit cards, store cards and charge cards, debit/cheque guarantee cards and prepayment cards.

Hurbrynu a gwerthu amodol sale

Information about how hire purchase and conditional sale agreements work, the right to end a hire purchase agreement and what happens if the buyer is unable to pay.

Gorddrafftiau Banc

Information about what a bank overdraft is, agreed and unagreed overdrafts, paying off an overdraft and unfair bank charges.

Morgeisi a benthyciadau wedi’u gwarantu

Information about mortgages and secured loans, including Islamic mortgages. Also covers credit brokers and the charges made for their services.

Catalogau gwerthu drwy’r post

Information about buying things from a catalogue and being an agent for a catalogue company.


Information about what a pawnbroker is and what happens if you are unable to repay your loan, lose your ticket or do not collect the goods.

Gwerthiant credyd

Information about what credit sale is, how it works and interest-free deals.