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What is the ruling on taking an interest-bearing loan to pay off multiple installments, some of which are interest-bearing, in order to alleviate monthly financial burdens?

1 min readAlso available in العربية

Since you engaged in those forbidden transactions out of ignorance of their prohibition, it is hoped that there is no sin upon you. However, your resorting to borrowing with interest (riba) in order to pay those installments is not permissible. Riba is not allowed except in cases of dire necessity. What you have described as your need to pay the installments, so that they become one single installment, does not appear to reach the level of dire necessity. If you were excused for what preceded due to ignorance of the prohibition of those transactions, you are not excused in initiating a new interest-based transaction, unless a recognized dire necessity compels you to do so.

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

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