What is the ruling on a person borrowing money from another to buy food, and then the lender charges him for the use of his car, which he used to bring the food, with the borrower's knowledge of that?
It is not permissible to combine a loan and a lease, because it is either a trick or a pretext for usury. This has been forbidden in the Prophet's Sunnah, where the Prophet, peace and blessings be upon him, said: "It is not permissible to combine a loan and a sale." Combining a loan and a lease falls under this prohibition, because leasing is in the meaning of selling. Scholars have agreed that if a lender stipulates an increase on his loan, this is unlawful, and combining a loan and a lease may lead to favoritism in the lease due to the loan.
Summarized from the full answer at Ftawy · reviewed Sep 2, 2026
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