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What is the ruling on borrowing through Tawarruq to pay car installments and buy shares, and what is the ruling on the money invested in shares after paying off the loan, whether it profits or loses?

1 min readAlso available in العربية

One must repent to Allah from borrowing with usury, as it is one of the major sins. There is no harm in investing money obtained from Tawarruq in buying shares or other assets, and any profits generated therefrom are lawful, provided that the investment in shares adheres to the necessary Sharia-compliant regulations.

Summarized from the full answer at Ftawy · reviewed Sep 2, 2026

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