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I have a religious question i would like to ask, I am in deep debt which is gathering substantial interest by the day that is adding to my already enourmous debt.

Mu' meneen Brothers and Sisters,

As Salaam Aleikum wa Rahmatullahi wa Barakatuh. (May Allah's Peace, Mercy and Blessings be upon all of you)


One of our brothers/sisters has asked this question:

I have a religious question i would like to ask, I am in deep debt which is gathering substantial interest by the day that is adding to my already enourmous debt, and my sister offered to pay off my debt with interest she had accumilated from an account of hers, is this halal or haram? i already work two jobs to support my family and i am struggling to make ends meet, which is why i can not afford to pay back the debt on my own and my sister`s offer will help me alot


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Pay interest thru interest

In the name of Allah, We praise Him, seek His help and ask for His forgiveness. Whoever Allah guides none can misguide, and whoever He allows to fall astray, none can guide them aright. We bear witness that there is none worthy of worship but Allah Alone, and we bear witness that Muhammad (saws) is His slave-servant and the seal of His Messengers.


Allah and His Messenger (saws) have indeed declared the receiving and paying of riba as absolutely Haraam and prohibited for the believers in very strong terms, and it is the prescribed duty of every believer, who sincerely believes in Allah and the Last Day, to abstain from dealing in riba.


Allah says further in the Holy Quran Chapter 2 Surah Baqarah verse 278:

O Believers!, fear Allah and give up that riba which is still due to you, if you are true believers. But if you do not do so, then you are warned of the declaration of war against you by Allah and His Messenger!


Allah says in the Holy Quran Chapter 4 Surah Nisa verse 161:

That they took riba, although they were forbidden. And that they devoured mens substance wrongfully. We have prepared for those among them who reject faith a grievous punishment (of Hell Fire)!


My beloved brother in Islam, first and foremost one who believes in Allah and the Last Day, must immediately abstain and stop taking any interest.


It is not as if it is deemed permissible in Islam for your sister to continue taking interest as long as she spends it on charity or to help her brother; for Allah does not accept anything in His Cause unless and until it is pure and lawful.


Sahih Muslim Hadith 2214 Narrated by Abu Hurayrah

Allah's Messenger (saws) said: O people, Allah is Good and He, therefore, accepts only that which is good!


Now the question arises what should one do with the interest money one has already accumulated in the past in ignorance of the Laws of Allah?


For the unlawful interest money that one has accumulated in ones past in ignorance of Allahs Laws, the person has two choices:

  1. One may leave it in the bank.
  2. Or, one may take it and dispose it.


Some scholars are of the opinion that it does not help the cause of the believers to leave the interest in conventional banks for at best it helps them to generate more interest, and at worst, they may dispose it to an institution which might work against the Cause. In cases where one has already accumulated interest money in ignorance of Islamic Law, and Allah Subhanah has guided them, and they now wish to dispose off that illegal money, the scholars are of the opinion that one may take this interest with the intention that he wants to rid himself of this evil thing, and give it away to some charity without seeking any reward from Allah Subhanah for this spending. His only intention should be get rid of this unwanted and illegal money, and thus purify himself from the evil of riba. The believer who does this only because he fears the accounting of Allah on an Inevitable Day, will, if Allah Wills, be rewarded for keeping himself pure from the evils of riba.


The spending of illegally and unlawfully earned wealth does not have any worth in the Sight of Allah; for Allah is Good and Pure, and He accepts only what is good and pure.


The issue with the illegally and unlawfully accumulated money is not how best to spend it, but how soon can one rid himself of this illegal and unlawful wealth. His only intention in giving this money away should be to purify oneself and get rid of the evil that is with him. This illegal and unlawful money earned from interest can be compared to a burning coal in ones hand! When one unintentionally and accidentally holds a burning coal, his only intention is to get rid of the burning coal from his hand; not where best to place it so that it can be of some benefit!


Your Question: .and my sister offered to pay off my debt with interest she had accumilated from an account of hers,

If your sister has accumulated some unlawful interest in her account in ignorance of the Laws of Allah Subhanah, there is no harm if she gives it to you to repay your interest-bearing loan, so that you can come out of the vicious cycle of riba.


Beloved brother, we remind you as we remind ourselves, that both you and your sister and all the believers must strive their absolute utmost from ever indulging in the evil and abomination of riba, which is categorically declared as haraam by Allah and His Messenger (saws).


Whatever written of Truth and benefit is only due to Allahs Assistance and Guidance, and whatever of error is of me alone. Allah Alone Knows Best and He is the Only Source of Strength.


Your brother and well wisher in Islam,






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