Is taking an interest-bearing loan out of necessity to pay off debts and cover marriage expenses, amidst difficult financial circumstances and the inability to secure money, considered usury or an act necessitated by dire straits that make the prohibited permissible in Islamic law, in accordance with the noble verse: "And why should you not eat of that upon which the name of Allah has been mentioned while He has explained in detail to you what He has forbidden you, except what you are compelled to [eat]? And indeed, many lead [others] astray with their [own] inclinations without knowledge. Indeed, your Lord is most knowing of the transgressors"?
Paying off a debt upon its due date is not a necessity that permits borrowing with interest, because the one in hardship must be granted a deferral according to Islamic law, and it is recommended to give charity to him, as Allah Almighty says: "And if there is one in hardship, then [give him] time until ease. But if you give [from your right as charity], it is better for you, if you only know." However, if delaying the payment of the debt would expose the debtor to significant harm, such as imprisonment, then he is considered at that time compelled to rid himself of this harm, and imprisonment is generally considered a necessity.
Summarized from the full answer at Ftawy · reviewed Sep 2, 2026
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