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Riba-Based Auto Loan: Can I Use Part of the Money for Hajj?

22 July, 2019
Q As-salamu `alaykum. A while ago I took a loan from one of the riba-based banks with the intention of buying a car. But now I regret that riba-based transaction, and I have repented to Allah Almighty asking Him to accept my repentance. Now I have sold that car, and I intend to go for Hajj this year. Is it permissible for me to do Hajj with the price of that car? Please, note that I am still paying off installments of the riba-based debt to the bank, from my monthly salary – as the deduction of the installments of debt from my monthly salary is done directly, a few days before the payment reaches me, and I do not have any other wealth. Please, advise me.


Wa `alaykum as-Salamuwa Rahmatullahi wa Barakatuh.

In the Name of Allah, Most Gracious, Most Merciful.

All praise and thanks are due to Allah, and peace and blessings be upon His Messenger.

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In this fatwa:

As long as you have repented form interest-based transaction and the borrowed money belongs to you, you can perform Hajj with the price money of the car.

In his response to the question about performing hajj with car price bought with riba, Sheikh Muhammad Saleh Al-Munajjid, the prominent Saudi Islamic lecturer and author, stated:

It is not permissible to deal with riba, whether that is by taking or giving a loan. The one who has done that must repent to Allah Almighty by giving up the sin, regretting it and resolving never to go back to it again.

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The interest-based loan, despite the fact that it is prohibited and reprehensible, becomes the property of the borrower according to the correct view. So the money that was borrowed belongs to you, and you may make use of it in whatever permissible way you wish, such as buying a car or otherwise.

Based on that, it is permissible for you to do Hajj with what you have of that money, so long as you repent from riba, as you mentioned. It does not matter that you are still paying off installments on the loan or not.

There is nothing wrong with doing Hajj even if you owe a debt, if the debt is to be paid later on, or is being paid in installments and you are able to pay it off on time.

Allah Almighty knows best.

Editor’s note: This fatwa is from Ask the Scholar’s archive and was originally published at an earlier date.

Source: www.islamqa.info