Is it permissible to take a loan from an interest-based (ribawi) bank to pay off previous debts, some of which were for luxuries, especially if the alternative loan from an Islamic bank has a shorter term and is less convenient?

It is not permissible to borrow with usury (riba), even with the intention of repaying debts. The debtor must repay what they can, and the creditors should wait for them if they are in hardship. It is permissible to engage in financing transactions with Islamic banks that adhere to Sharia regulations, such as Tawarruq. It is recommended to turn to Allah with supplication, repentance, and seeking forgiveness. Among the well-known supplications is: "O Allah, I seek refuge in You from anxiety and sorrow, and I seek refuge in You from inability and laziness, and I seek refuge in You from cowardice and stinginess, and I seek refuge in You from the burden of debt and the oppression of men."