Yn anffodus mae mwy a mwy o bobl yn wynebu problemau ariannol ac felly'n  troi at fenthycwyr diwrnod cyflog.   Mae angen mynd ati ar fyrder i gynorthwyo pobl i reoli eu harian yn well, gan sicrhau nad oes yn rhaid iddynt fyth droi at gwmnïau o'r fath. Er na all Undebau Credyd sicrhau na fydd neb yn troi at fenthycwyr diwrnod cyflog, gallant gynorthwyo llawer iawn o bobl i reoli eu harian a hefyd gynnig telerau credyd lawer rhatach a thecach.
Many people are facing tough times and, worryingly, the rise of payday lenders continues. There is a real need for people to be helped to manage their money in a better way in the hope they never have to turn to such companies. Whilst Credit Unions are not the sole answer to payday lenders, they are integral to people managing their finances by accessing cheaper and fairer credit terms.