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What is the ruling on paying a sum of 34,000 Saudi Riyals instead of 26,000 Saudi Riyals to the company for the installment of the last payment of a car that was leased under a lease-to-own system?

1 min readAlso available in العربية

If the final payment is for the car's rent, then it is not permissible to increase it in exchange for deferment, because it is a debt owed by the lessee and would constitute usury (riba). However, if the payment is the price of the car after the end of the rental period, as a promise to sell, then it is permissible to change its price by increasing or decreasing it upon signing the sales contract, and to pay the price in installments with an increase; because the deferment has a share in the price, and this is not a pre-existing debt to be considered usury.

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

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